Sigourney, Iowa Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Sigourney, Iowa CD rates range from 0.25% to 4.80% APY, verified by MonitorBankRates as of October 14, 2026. Current Sigourney, Iowa CD rates include Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)201 S Jefferson St, Sigourney, IA 52591A5.0 ★Texas Ratio: 12.05%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month CD at 4.50% APY, Serve Credit UnionServe Credit UnionA+5.0 ★Texas Ratio: 3.05%Real return: +2.00%APY minus CPI (February 2026) offering 60-Month Certificate at 4.80% APY, Marine Credit UnionMarine Credit UnionA5.0 ★Texas Ratio: 13.08%Real return: +1.86%APY minus CPI (February 2026) offering Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY, Luana Savings BankLuana Savings BankA+5.0 ★Texas Ratio: 1.00%Real return: +1.70%APY minus CPI (February 2026) offering Certificate of Deposit - 36 Month at 4.50% APY, and Midwest Heritage BankMidwest Heritage BankA5.0 ★Texas Ratio: 9.76%Real return: +1.70%APY minus CPI (February 2026) offering Certificate of Deposit - 24 Months at 4.50% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Sigourney has 9 local institutions in our database, with CD rates as high as 4.50% APY from Fidelity Bank & Trust (IA) at 201 S Jefferson St, Sigourney, IA 52591. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Iowa area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Sigourney, Iowa & the Surrounding Area
Sigourney 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Platinum Tier
$0
4.06%
▲ 2.16% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.16% above avgNationally 2.09%
Details
Loyalty Program Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 14, 2026 · 4.06% APY
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3-Month CD Special
$1,000
4.00%
▲ 2.10% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.09%
Details
Minimum balance to obtain APY is $1,000; Early withdrawal penalties may apply; Non-institutional funds only; Rate current as of 9/25/26
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Youth Certificate
$100
4.00%
▲ 2.10% above Iowa avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.09%
Details
Only available for members under age 18; $100 min, $30,000 max; Member may add to certificate balance at any time; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Gold Tier
$0
3.96%
▲ 2.06% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.06% above avgNationally 2.09%
Details
Loyalty Program Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 14, 2026 · 3.96% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Month Certificate of Deposit
$0
3.91%
▲ 2.01% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.01% above avgNationally 2.09%
Details
Balance: $100,000 and above
Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 5 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.95% above Iowa avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.95% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Silver Tier
$0
3.85%
▲ 1.95% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.95% above avgNationally 2.09%
Details
Loyalty Program Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 14, 2026 · 3.85% APY
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 3 Month
$0
3.80%
▲ 1.90% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.90% above avgNationally 2.09%
Details
Interest Paid: At Maturity; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 3.80% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Month Certificate of Deposit
$0
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Bronze Tier
$0
3.75%
▲ 1.85% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
Loyalty Program Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 14, 2026 · 3.75% APY
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3 month CD Special
$0
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000; Rate = dividend rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$1,000
3.65%
▲ 1.75% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.75% above avgNationally 2.09%
Details
Interest Compounded and Credited: At Maturity
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3 Month Certificate
$1,000
3.60%
▲ 1.70% above Iowa avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.70% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 3, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD
$0
3.55%
▲ 1.65% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.65% above avgNationally 2.09%
Details
Base Interest Rate and Base APY (Consumer Rate Sheet)
Rate History
1 change since Sep 15, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
- Sep 27, 20263.55%▲ from 3.29%
- Sep 15, 20263.29%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
Special Term CDs - 3 Month CD
$25,000
3.44%
▲ 1.54% above Iowa avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.54% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.44% APY
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.50% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.50% above avgNationally 2.09%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
15 MONTH PENALTY=90 DAYS OF INTEREST
$5,000
3.28%
▲ 1.38% above Iowa avg
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.38% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.28% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
10 MONTH PENALTY=90 DAYS OF INTEREST
$5,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 MONTH PENALTY=90 DAYS OF INTEREST
$1,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 MONTH SILVER PENALTY=90 DAYS OF INTEREST
$25,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
182 DAY PENALTY=90 DAYS OF INTEREST
$1,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 11, 2026 · 3.25% APY
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
Special Term CDs - 3 Month CD
$10,000
3.19%
▲ 1.29% above Iowa avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.29% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.19% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.14%
▲ 1.24% above Iowa avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.24% above avgNationally 2.09%
Details
Balance: $100,000 & over
Rate History
No change since Sep 20, 2026 · 3.14% APY · checked 6 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.03%
▲ 1.13% above Iowa avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.13% above avgNationally 2.09%
Details
Balance: $1,000-$99,999
Rate History
No change since Sep 20, 2026 · 3.03% APY · checked 6 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Certificate
$2,500
3.02%
▲ 1.12% above Iowa avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.12% above avgNationally 2.09%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 5 times
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month CD
$1,000
3.00%
▲ 1.10% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.10% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month CD
$500
2.95%
▲ 1.05% above Iowa avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 4 times
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificate
$500
2.85%
▲ 0.95% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▲ 0.95% above avgNationally 2.09%
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.84%
▲ 0.94% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.94% above avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 12, 2026 · 2.84% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.79%
▲ 0.89% above Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.89% above avgNationally 2.09%
Details
Balance: $50,000 - $89,999
Rate History
No change since Oct 12, 2026 · 2.79% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.74%
▲ 0.84% above Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.84% above avgNationally 2.09%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 12, 2026 · 2.74% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.69%
▲ 0.79% above Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.79% above avgNationally 2.09%
Details
Balance: $250 - $9,999
Rate History
No change since Oct 12, 2026 · 2.69% APY
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
2.65%
▲ 0.75% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.75% above avgNationally 2.09%
Details
Balance: $50,000 - $99,999
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3 Month Certificate
$1,000
2.37%
▲ 0.47% above Iowa avg
▼
Rate2.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.47% above avgNationally 2.09%
Details
@Maturity
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 6 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$50,000
2.27%
▲ 0.37% above Iowa avg
▼
Rate2.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.37% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$500
2.27%
▲ 0.37% above Iowa avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.37% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Unite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.08%
3-Month Certificate
$0
2.25%
▲ 0.35% above Iowa avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▲ 0.35% above avgNationally 2.09%
Details
Open online; Penalty for Early Withdrawal; Interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$15,000
2.17%
▲ 0.27% above Iowa avg
▼
Rate2.15%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.27% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 3 times
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
2.14%
▲ 0.24% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.24% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 8, 2026 · 2.14% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$1,000
2.07%
▲ 0.17% above Iowa avg
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$50,000
2.07%
▲ 0.17% above Iowa avg
▼
Rate2.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$15,000
2.05%
▲ 0.15% above Iowa avg
▼
Rate2.03%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.15% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$2,500
2.03%
▲ 0.13% above Iowa avg
▼
Rate2.01%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.13% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.03% APY · checked 3 times
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate of Deposit
$1,000
2.02%
▲ 0.12% above Iowa avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.12% above avgNationally 2.09%
Details
APY* Quarterly
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3-Months CD
$0
2.00%
▲ 0.10% above Iowa avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.10% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
90 Day CD
$1,000
1.86%
▼ 0.04% below Iowa avg
▼
Rate1.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 0.04% below avgNationally 2.09%
Details
Rate History
1 change since Sep 7, 2026 · 1.81% → 1.86% ▲ 0.05 pts · high 1.86% / low 1.81%
- Sep 24, 20261.86%▲ from 1.81%
- Sep 7, 20261.81%first recorded
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
Standard Certificates of Deposit - 3 Month
$5,000
1.84%
▼ 0.06% below Iowa avg
▼
Rate1.83%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 0.06% below avgNationally 2.09%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Rate History
No change since Oct 14, 2026 · 1.84% APY
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
1.64%
▼ 0.26% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▼ 0.26% below avgNationally 2.09%
Details
Balance: $10,000 - $24,999
Rate History
No change since Oct 8, 2026 · 1.64% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
3 Month Jumbo Certificates
$0
1.55%
▼ 0.35% below Iowa avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▼ 0.35% below avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 3 times
Sigourney 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50%
▲ 1.83% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.83% above avgNationally 2.77%
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 6 Month
$0
4.32%
▲ 1.65% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.65% above avgNationally 2.77%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.32% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.32%
▲ 1.65% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.65% above avgNationally 2.77%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%
- Oct 3, 20264.32%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.22%
- Sep 20, 20264.22%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 6 Month
$0
4.27%
▲ 1.60% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.60% above avgNationally 2.77%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.27% APY
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
6-Month CD Special
$5
4.25%
▲ 1.58% above Iowa avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.58% above avgNationally 2.77%
Details
Auto-renews into a 6-month certificate at the current rate when it matures; $5 Membership Share account required
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month JUMBO Certificate
$100,000
4.25%
▲ 1.58% above Iowa avg
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.58% above avgNationally 2.77%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month Certificate of Deposit
$0
4.24%
▲ 1.57% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.57% above avgNationally 2.77%
Details
Featured CD Specials; Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.19% → 4.24% ▲ 0.05 pts · high 4.24% / low 4.19%
- Sep 27, 20264.24%▲ from 4.19%
- Sep 18, 20264.19%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Jumbo Certificate
$100,000
4.23%
▲ 1.56% above Iowa avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.56% above avgNationally 2.77%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 6 Month
$0
4.22%
▲ 1.55% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.55% above avgNationally 2.77%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 4.22% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.22%
▲ 1.55% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.55% above avgNationally 2.77%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
- Oct 3, 20264.22%▲ from 4.16%
- Sep 24, 20264.16%▲ from 4.11%
- Sep 20, 20264.11%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit - 6 Months
$0
4.19%
▲ 1.52% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.52% above avgNationally 2.77%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.19% APY
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month Share Certificate
$1,000
4.15%
▲ 1.48% above Iowa avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.48% above avgNationally 2.77%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Premier Certificates
$0
4.13%
▲ 1.46% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.46% above avgNationally 2.77%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.13% ▲ 0.06 pts · high 4.13% / low 4.07%
- Sep 18, 20264.13%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6-Month Certificate
$1,000
4.13%
▲ 1.46% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.46% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10%
▲ 1.43% above Iowa avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.43% above avgNationally 2.77%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month Certificate of Deposit
$0
4.09%
▲ 1.42% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.42% above avgNationally 2.77%
Details
Featured CD Specials; Balance: $2,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.09% ▲ 0.05 pts · high 4.09% / low 4.04%
- Sep 27, 20264.09%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.38% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.38% above avgNationally 2.77%
Details
Balance: $100,000.00 and greater
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$100,000
4.05%
▲ 1.38% above Iowa avg
▼
Rate3.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.38% above avgNationally 2.77%
Details
Member Loyalty APY: 4.20%; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
4.04%
▲ 1.37% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.37% above avgNationally 2.77%
Details
Balance: => $100,000; Penalty for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.04% APY · checked 5 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
CDs - 6 Months
$0
4.04%
▲ 1.37% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.37% above avgNationally 2.77%
Details
Balance: => $100,000
Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 14, 20264.04%▲ from 3.79%
- Sep 30, 20263.79%first recorded
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 MONTH SILVER PENALTY=180 DAYS OF INTEREST
$25,000
4.04%
▲ 1.37% above Iowa avg
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 1.37% above avgNationally 2.77%
Details
PENALTY=180 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 4.04% APY · checked 2 times
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Month CD Special - You Pick Your Term
$25,000
4.02%
▲ 1.35% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.35% above avgNationally 2.77%
Details
Choose your term from 6 Month, 12 Month or 18 Month; all earn 4.02% APY; minimum deposit $25,000 required
Rate History
No change since Oct 14, 2026 · 4.02% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Youth Certificates
$0
4.02%
▲ 1.35% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.35% above avgNationally 2.77%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.02% ▲ 0.31 pts · high 4.02% / low 3.71%
- Sep 18, 20264.02%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6-Month Certificate
$1,000
4.02%
▲ 1.35% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.35% above avgNationally 2.77%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
6 Month IRA Share Certificates
$250
4.01%
▲ 1.34% above Iowa avg
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.34% above avgNationally 2.77%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Share Certificates - 6-month
$5,000
4.01%
▲ 1.34% above Iowa avg
▼
Rate3.95%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.34% above avgNationally 2.77%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 5 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
6 Month Certificate Special
$0
4.00%
▲ 1.33% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.33% above avgNationally 2.77%
Details
Minimum Balance to Earn Dividends: $1,000; APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required
Rate History
No change since Oct 13, 2026 · 4.00% APY
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.28% above Iowa avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.28% above avgNationally 2.77%
Details
Balance: $1.00.00-99.999.99
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$1,000
3.95%
▲ 1.28% above Iowa avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.28% above avgNationally 2.77%
Details
Member Loyalty APY: 4.10%; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposit - Diamond
$500
3.92%
▲ 1.25% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.25% above avgNationally 2.77%
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.92% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposits (CDs)
$500
3.92%
▲ 1.25% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.25% above avgNationally 2.77%
Details
Diamond APY tier; Relationship Package Qualifications required; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.92% APY
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
6 Month Share Certificate
$0
3.92%
▲ 1.25% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.25% above avgNationally 2.77%
Details
Dividend Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6-Month Certificate
$1,000
3.92%
▲ 1.25% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.25% above avgNationally 2.77%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.92% ▲ 0.52 pts · high 3.92% / low 3.40%
- Oct 9, 20263.92%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
6 Month CD
$0
3.90%
▲ 1.23% above Iowa avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.23% above avgNationally 2.77%
Details
Not applicable to IRAs; Renewal: Automatic; Rates effective 11/10/25
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 6 Month
$0
3.89%
▲ 1.22% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.22% above avgNationally 2.77%
Details
Interest Paid: Semi-Annually; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 3.89% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.89%
▲ 1.22% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.22% above avgNationally 2.77%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 3.68% → 3.89% ▲ 0.21 pts · high 3.89% / low 3.68%
- Sep 24, 20263.89%▲ from 3.68%
- Sep 14, 20263.68%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposit - Platinum
$500
3.87%
▲ 1.20% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.20% above avgNationally 2.77%
Details
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.87% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposits (CDs)
$500
3.87%
▲ 1.20% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.20% above avgNationally 2.77%
Details
Platinum APY tier; Relationship Package Qualifications required; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.87% APY
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6 Month Certificate of Deposit
$1,000
3.85%
▲ 1.18% above Iowa avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.18% above avgNationally 2.77%
Details
APY* Quarterly
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Sep 24, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month Share Certificate
$0
3.82%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.15% above avgNationally 2.77%
Details
Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Certificates of Deposit (CDs)
$500
3.79%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.12% above avgNationally 2.77%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 6, 2026 · 3.79% APY · checked 3 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
3.79%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.12% above avgNationally 2.77%
Details
Balance: < $100,000
Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 5 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 6 Months
$500
3.79%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.12% above avgNationally 2.77%
Details
Penalty for early withdrawal
Rate History
No change since Oct 6, 2026 · 3.79% APY · checked 3 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 6 MONTH CD
$100
3.79%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.12% above avgNationally 2.77%
Details
Penalty for early withdrawal.
Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 5 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.79%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.12% above avgNationally 2.77%
Details
Balance: $10,000+
Rate History
1 change since Sep 14, 2026 · 3.68% → 3.79% ▲ 0.11 pts · high 3.79% / low 3.68%
- Sep 24, 20263.79%▲ from 3.68%
- Sep 14, 20263.68%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Certificates
$0
3.76%
▲ 1.09% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.09% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Sep 18, 20263.76%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 Month Certificate
$0
3.74%
▲ 1.07% above Iowa avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.07% above avgNationally 2.77%
Details
Rate History
No change since Sep 21, 2026 · 3.74% APY · checked 3 times
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month Share Certificate
$0
3.71%
▲ 1.04% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.04% above avgNationally 2.77%
Details
Balance: $10,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 4 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
6 Month Certificate
$50,000
3.68%
▲ 1.01% above Iowa avg
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 1.01% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 4 times
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
6 Month Certificates of Deposit
$25,000
3.68%
▲ 1.01% above Iowa avg
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.01% above avgNationally 2.77%
Details
Minimum Balance: $25,000 Minimum
Rate History
No change since Sep 24, 2026 · 3.68% APY · checked 5 times
Sigourney 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
12 Month CD
$0
4.10%
▲ 1.25% above Iowa avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.25% above avgNationally 2.99%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31%
- Oct 14, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▲ from 2.31%
- Sep 18, 20262.31%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month JUMBO Certificate
$100,000
4.40%
▲ 1.56% above Iowa avg
▼
Rate4.33%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.56% above avgNationally 2.99%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 9, 20264.40%▲ from 4.25%
- Sep 18, 20264.25%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6-12 Month CD Special
$0
4.35%
▲ 1.50% above Iowa avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.50% above avgNationally 2.99%
Details
Rate History
1 change since Oct 3, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 8, 20264.35%▲ from 4.15%
- Oct 3, 20264.15%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12 Month Certificate of Deposit
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Featured CD Specials; Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.30% ▲ 0.06 pts · high 4.30% / low 4.24%
- Sep 27, 20264.30%▲ from 4.24%
- Sep 18, 20264.24%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month Certificate of Deposit
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.30% APY
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit - 12 Months
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.30% APY
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month Certificate of Deposit
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month Share Certificate
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 9, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- Sep 27, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
4.27%
▲ 1.42% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.42% above avgNationally 2.99%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
10-month special, with rollover into 12-month at time of maturity
$0
4.25%
▲ 1.40% above Iowa avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.40% above avgNationally 2.99%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Youth Mini Certificates of Deposit
$0
4.23%
▲ 1.39% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.39% above avgNationally 2.99%
Details
Balance: $250 - $1,000; Members ages 17 and under
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71%
- Oct 9, 20264.23%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12-Month Certificate
$1,000
4.23%
▲ 1.39% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.39% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71%
- Oct 9, 20264.23%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 12 Month Certificate
$1,000
4.23%
▲ 1.39% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.39% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
12 Month CD Special
$0
4.20%
▲ 1.36% above Iowa avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.36% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 8, 20264.20%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Jumbo Certificate
$100,000
4.18%
▲ 1.33% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.33% above avgNationally 2.99%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
4.16%
▲ 1.32% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.32% above avgNationally 2.99%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.31% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12 Month Certificate of Deposit
$0
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Featured CD Specials; Balance: $2,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.14% ▲ 0.05 pts · high 4.14% / low 4.09%
- Sep 27, 20264.14%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12 Month Kid's Certificate of Deposit
$0
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
12 Month KIDS CD & 2 Add-Ons; Balance: $500 and above; Individual must be 18 years of age or younger; two additional deposits may be made during the 12 month term, minimum $100 per deposit
Rate History
No change since Oct 14, 2026 · 4.14% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Kid's CD - 12 Month & 2 Add-Ons
$500
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Age: 18 or younger required to qualify; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit; Deposit Amount: $500 and above
Rate History
No change since Oct 14, 2026 · 4.14% APY
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month Certificate of Deposit
$1,000
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Balance: $24,999.99 and under; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.14% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12-Month Certificate
$1,000
4.13%
▲ 1.28% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.28% above avgNationally 2.99%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 12 Month Certificate
$1,000
4.13%
▲ 1.28% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.28% above avgNationally 2.99%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
4.10%
▲ 1.25% above Iowa avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.25% above avgNationally 2.99%
Details
Balance: $25,000 and above
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 3, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 12-month IRA
$0
4.10%
▲ 1.25% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.25% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.10% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Premier Certificates
$0
4.07%
▲ 1.23% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.23% above avgNationally 2.99%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.07% ▲ 0.05 pts · high 4.07% / low 4.02%
- Sep 18, 20264.07%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12-month CD
$25,000
4.06%
▲ 1.21% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
penalty may be imposed for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 7, 20264.06%▲ from 3.80%
- Sep 7, 20263.80%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 12 Month
$0
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.06% APY
Sloan State Bank
Institution Rating:
C3.7 ★Texas Ratio: 21.53%
12 Month Certificate Special
$20,000
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 11, 20264.06%▲ from 3.29%
- Sep 19, 20263.29%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$0
4.06%
▲ 1.21% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Dividends compounded quarterly
Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 3 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Incredible Certificate
$0
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Limited time only; Minimum $10,000; Dividends are compounded quarterly
Rate History
No change since Oct 13, 2026 · 4.06% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Certificates: minimum - 12 month
$0
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
$10,000; Dividend rate and APY fixed for the term; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.06% APY
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
4.05%
▲ 1.20% above Iowa avg
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.20% above avgNationally 2.99%
Details
Balance: $10,000-24,999
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 3, 20264.05%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
12 Month Jumbo Certificates
$0
4.05%
▲ 1.20% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.20% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
- Oct 13, 20264.05%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 1 Year
$0
4.04%
▲ 1.19% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.19% above avgNationally 2.99%
Details
Interest Paid: Semi-Annually; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 4.04% APY
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12-month CD
$5,000
4.04%
▲ 1.19% above Iowa avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.19% above avgNationally 2.99%
Details
penalty may be imposed for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.80% → 4.04% ▲ 0.24 pts · high 4.04% / low 3.80%
- Oct 7, 20264.04%▲ from 3.80%
- Sep 7, 20263.80%first recorded
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
12 Month CD Special - You Pick Your Term
$25,000
4.02%
▲ 1.17% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
Choose your term from 6 Month, 12 Month or 18 Month; all earn 4.02% APY; minimum deposit $25,000 required
Rate History
No change since Oct 14, 2026 · 4.02% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Youth Certificates
$0
4.02%
▲ 1.17% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
- Sep 18, 20264.02%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12-Month Certificate
$1,000
4.02%
▲ 1.17% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 12 Month Certificate
$1,000
4.02%
▲ 1.17% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.02% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 12 Month
$0
4.01%
▲ 1.16% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.16% above avgNationally 2.99%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.01% APY
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12-month CD
$500
4.00%
▲ 1.15% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
penalty may be imposed for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 7, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
12 Month Certificates of Deposit
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Add2IRA - 12 Months
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $100 & Over; Interest Paid: Quarterly; Auto Renew: Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Traditional and Roth IRA - 12 Months
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
12 Month CD Special
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $1,000-9,999
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 3, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CUSB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Month CD
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
**Substantial penalty for early withdrawal.
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Grow & Go Certificate - 12 Months
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Dividend rate shown as 3.92%; APY shown as 4.00%
Rate History
No change since Oct 12, 2026 · 4.00% APY
Sigourney 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
18 Month CD
$0
4.30%
▲ 1.46% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.46% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
- Oct 14, 20264.30%▲ from 4.10%
- Oct 2, 20264.10%▲ from 2.36%
- Sep 18, 20262.36%first recorded
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month Certificate Special
$0
4.45%
▲ 1.61% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.61% above avgNationally 2.88%
Details
Special rate
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 3 times
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Certificates of Deposit - 18-month
$0
4.45%
▲ 1.61% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.61% above avgNationally 2.88%
Details
Special rate
Rate History
No change since Oct 14, 2026 · 4.45% APY
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit - 18 Months
$0
4.42%
▲ 1.58% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.58% above avgNationally 2.88%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.42% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 Month Certificate of Deposit
$0
4.40%
▲ 1.56% above Iowa avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.56% above avgNationally 2.88%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.40% ▲ 0.16 pts · high 4.40% / low 4.24%
- Oct 7, 20264.40%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40%
▲ 1.56% above Iowa avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.56% above avgNationally 2.88%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month JUMBO Certificate
$100,000
4.30%
▲ 1.46% above Iowa avg
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 1.46% above avgNationally 2.88%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 3 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.41% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.41% above avgNationally 2.88%
Details
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
18 Month CD Special
$0
4.25%
▲ 1.41% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.41% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 8, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 Month Certificate of Deposit
$0
4.24%
▲ 1.40% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.40% above avgNationally 2.88%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.24% ▲ 0.15 pts · high 4.24% / low 4.09%
- Oct 7, 20264.24%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Share Certificate
$1,000
4.20%
▲ 1.36% above Iowa avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 1.36% above avgNationally 2.88%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Certificate
$1,000
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 3, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month CD Special
$25,000
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month Certificate
$25,000
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month Certificate of Deposit
$1,000
4.14%
▲ 1.30% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.30% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.14% APY
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month Adjust-A-Rate CD
$1,000
4.14%
▲ 1.30% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.30% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.14% APY · checked 5 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
Certificate Specials - 18 Months
$0
4.08%
▲ 1.24% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 1.24% above avgNationally 2.88%
Details
New Money only brought in from other financials; no existing funds are eligible
Rate History
1 change since Sep 14, 2026 · 3.46% → 4.08% ▲ 0.62 pts · high 4.08% / low 3.46%
- Oct 9, 20264.08%▲ from 3.46%
- Sep 14, 20263.46%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
4.06%
▲ 1.22% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.22% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month CD Special
$5,000
4.05%
▲ 1.21% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 3 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month Certificate
$5,000
4.05%
▲ 1.21% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 18 Month
$0
4.04%
▲ 1.20% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.20% above avgNationally 2.88%
Details
Interest Paid: Semi-Annually; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 4.04% APY
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.20% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.58% → 4.04% ▲ 0.46 pts · high 4.04% / low 3.58%
- Oct 3, 20264.04%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 Month CD Special - You Pick Your Term
$25,000
4.02%
▲ 1.18% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.18% above avgNationally 2.88%
Details
Choose your term from 6 Month, 12 Month or 18 Month; all earn 4.02% APY; minimum deposit $25,000 required
Rate History
No change since Oct 14, 2026 · 4.02% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
18 Month Certificates of Deposit
$0
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Traditional and Roth IRA - 18 Months
$0
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
18 Month CD Special
$1,000
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
7 - 18 Month Certificate of Deposit
$5,000
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
Certificate of Deposit - 7-18 Month
$5,000
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month Certificate of Deposit
$1,000
3.99%
▲ 1.15% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.15% above avgNationally 2.88%
Details
Balance: $24,999.99 and under; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 3.99% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
18 Month Certificates of Deposit
$0
3.85%
▲ 1.01% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
18 Month Certificate
$10,000
3.85%
▲ 1.01% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 3.85% APY · checked 3 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
18 Month IRA Share Certificates
$250
3.81%
▲ 0.97% above Iowa avg
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.97% above avgNationally 2.88%
Details
Penalty: 6 month
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Share Certificates - 18-month
$5,000
3.81%
▲ 0.97% above Iowa avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.97% above avgNationally 2.88%
Details
Penalty: 6 month
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificate
$0
3.80%
▲ 0.96% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Dividends compounded quarterly
Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 3 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Incredible Certificate
$0
3.80%
▲ 0.96% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Limited time only; Minimum $10,000; Dividends are compounded quarterly
Rate History
No change since Oct 13, 2026 · 3.80% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Certificates: minimum - 18 month
$0
3.80%
▲ 0.96% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.96% above avgNationally 2.88%
Details
$10,000; Dividend rate and APY fixed for the term; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.80% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
3.76%
▲ 0.92% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 0.92% above avgNationally 2.88%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 3.76% APY · checked 5 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 Month Special Certificates
$0
3.76%
▲ 0.92% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.92% above avgNationally 2.88%
Details
$10,000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71%
- Sep 18, 20263.76%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
18 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 18 Months
$500
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Penalty for early withdrawal
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 18 MONTH CD
$100
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Penalty for early withdrawal.
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 5 times
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
18 Month and Build CD
$1,000
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Interest Compounded and Credited: Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 3, 20263.75%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
18 Month CD
$0
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Balance: $500+; CD Specials
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month IRA Certificates of Deposit
$500
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Special - limited time; Penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Certificates of Deposit (CDs) - 18 months special
$500
3.75%
▲ 0.91% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Limited time special; penalty for early withdrawal; rate subject to change without notice
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month Certificate
$1,000
3.71%
▲ 0.87% above Iowa avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.87% above avgNationally 2.88%
Details
Semi-Annually
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate of Deposit
$1,000
3.65%
▲ 0.81% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 0.81% above avgNationally 2.88%
Details
APY* Quarterly
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.65% ▲ 0.26 pts · high 3.65% / low 3.39%
- Sep 24, 20263.65%▲ from 3.39%
- Sep 14, 20263.39%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
Special Term CDs - 18 Month CD
$25,000
3.60%
▲ 0.76% above Iowa avg
▼
Rate3.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
18 Month CD
$0
3.60%
▲ 0.76% above Iowa avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.76% above avgNationally 2.88%
Details
Renewal: Automatic; Rates effective 11/10/25
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
3.56%
▲ 0.72% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 0.72% above avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 5 times
Sigourney 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
24 Month CD
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month CD
$0
4.65%
▲ 1.92% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
As High As; $1,000 minimum balance required to obtain stated APY in each term tier; Annual Percentage Yield accurate as of 10/1/2026 and subject to change without notice; Penalty for early withdrawal; interest compounds daily and is credited monthly and at maturity
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month Youth Mini Certificates of Deposit
$0
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $250 - $1,000; Members ages 17 and under
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.55%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.82% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.55%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.82% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 2 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit - 24 Months
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.50% APY
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
20-month special, with rollover into 24-month at time of maturity
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month Time Share Certificate
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Time Share Certificates
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 9, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
IntraFi Network CD 2 Year
$100,000
4.47%
▲ 1.74% above Iowa avg
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.74% above avgNationally 2.88%
Details
Treasury Rates**: 4.77%
Rate History
No change since Oct 12, 2026 · 4.47% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.44%
▲ 1.71% above Iowa avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.71% above avgNationally 2.88%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Oct 9, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.44%
▲ 1.71% above Iowa avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.71% above avgNationally 2.88%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.44% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24 Month Certificate of Deposit
$0
4.40%
▲ 1.67% above Iowa avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.67% above avgNationally 2.88%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 7, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit - Diamond
$500
4.35%
▲ 1.62% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.62% above avgNationally 2.88%
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.35% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposits (CDs)
$500
4.35%
▲ 1.62% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.62% above avgNationally 2.88%
Details
Diamond APY tier; Relationship Package Qualifications required; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.35% APY
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
24 Month JUMBO Certificate
$100,000
4.35%
▲ 1.62% above Iowa avg
▼
Rate4.28%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.62% above avgNationally 2.88%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 9, 20264.35%▲ from 4.30%
- Sep 18, 20264.30%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit - Platinum
$500
4.30%
▲ 1.57% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.57% above avgNationally 2.88%
Details
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.30% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposits (CDs)
$500
4.30%
▲ 1.57% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.57% above avgNationally 2.88%
Details
Platinum APY tier; Relationship Package Qualifications required; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.30% APY
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
24 Month CD
$5,000
4.30%
▲ 1.57% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.57% above avgNationally 2.88%
Details
Limited Time Only
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 7, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
4.27%
▲ 1.54% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.54% above avgNationally 2.88%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 Month CD Specials
$225,000
4.25%
▲ 1.52% above Iowa avg
▼
Rate4.18%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.52% above avgNationally 2.88%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
24 Month Share Certificate
$1,000
4.25%
▲ 1.52% above Iowa avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.52% above avgNationally 2.88%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 9, 20264.25%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25%
▲ 1.52% above Iowa avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.52% above avgNationally 2.88%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 27, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24 Month Certificate of Deposit
$0
4.24%
▲ 1.51% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.51% above avgNationally 2.88%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.19% → 4.24% ▲ 0.05 pts · high 4.24% / low 4.19%
- Oct 7, 20264.24%▲ from 4.19%
- Sep 18, 20264.19%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 24 Month
$0
4.22%
▲ 1.49% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.49% above avgNationally 2.88%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.22% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
4.16%
▲ 1.43% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.43% above avgNationally 2.88%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24 Month Certificate
$1,000
4.15%
▲ 1.42% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 3, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 Month CD Specials
$125,000
4.15%
▲ 1.42% above Iowa avg
▼
Rate4.09%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.42% above avgNationally 2.88%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Sep 20, 2026 · 4.15% APY · checked 6 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month Certificate of Deposit
$1,000
4.14%
▲ 1.41% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.41% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.14% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 24 Month
$0
4.11%
▲ 1.38% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.38% above avgNationally 2.88%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.11% APY
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 2 Year
$0
4.09%
▲ 1.36% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.36% above avgNationally 2.88%
Details
Interest Paid: Semi-Annually; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 4.09% APY
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-month CD
$25,000
4.06%
▲ 1.33% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.33% above avgNationally 2.88%
Details
penalty may be imposed for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
- Oct 7, 20264.06%▲ from 3.03%
- Sep 7, 20263.03%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 24 Month
$0
4.06%
▲ 1.33% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.33% above avgNationally 2.88%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 4.06% APY
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 month CD Special
$0
4.05%
▲ 1.32% above Iowa avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24-Month CD Special
$500
4.05%
▲ 1.32% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.32% above avgNationally 2.88%
Details
Hurry, this short-term CD special offer is available for a limited time! Rates effective as of September 21, 2026. Member FDIC.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 Month CD Specials
$500
4.05%
▲ 1.32% above Iowa avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.32% above avgNationally 2.88%
Details
Deposit Amount: $500.00-$124,999.99; Compounding: Quarterly
Rate History
1 change since Sep 20, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 3, 20264.05%▲ from 3.95%
- Sep 20, 20263.95%first recorded
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-month CD
$5,000
4.04%
▲ 1.31% above Iowa avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.31% above avgNationally 2.88%
Details
penalty may be imposed for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.03% → 4.04% ▲ 1.01 pts · high 4.04% / low 3.03%
- Oct 7, 20264.04%▲ from 3.03%
- Sep 7, 20263.03%first recorded
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
24 Month Adjust-A-Rate CD
$1,000
4.04%
▲ 1.31% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
24 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.31% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-month CD
$500
4.00%
▲ 1.27% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
penalty may be imposed for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.03% → 4.00% ▲ 0.97 pts · high 4.00% / low 3.03%
- Oct 7, 20264.00%▲ from 3.03%
- Sep 7, 20263.03%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
24 Month Certificates of Deposit
$0
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Traditional and Roth IRA - 24 Months
$0
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
24 Month CD Special
$1,000
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month Certificate of Deposit
$1,000
3.99%
▲ 1.26% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.26% above avgNationally 2.88%
Details
Balance: $24,999.99 and under; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 3.99% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 Month Jumbo Certificate
$100,000
3.97%
▲ 1.24% above Iowa avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.24% above avgNationally 2.88%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 Month Premier Certificates
$0
3.87%
▲ 1.14% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.14% above avgNationally 2.88%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
- Sep 18, 20263.87%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 Month Youth Certificates
$0
3.87%
▲ 1.14% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.14% above avgNationally 2.88%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Sep 18, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
24 Month Certificates of Deposit
$0
3.85%
▲ 1.12% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.12% above avgNationally 2.88%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Sigourney 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
36 Month CD
$0
2.82%
▲ 0.23% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 0.23% above avgNationally 2.81%
Details
Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest
Rate History
No change since Sep 18, 2026 · 2.82% APY · checked 4 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
36 Month CD
$0
2.57%
▼ 0.02% below Iowa avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.02% below avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest
Rate History
No change since Sep 18, 2026 · 2.57% APY · checked 4 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.70%
▲ 2.11% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.11% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.70%
▲ 2.11% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.11% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.60%
▲ 2.01% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.01% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.60%
▲ 2.01% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.01% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 36 Month
$0
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Balance: $100,000.00 and above
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Sep 27, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
IntraFi Network CD 3 Year
$100,000
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.39%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Treasury Rates**: 4.87%
Rate History
No change since Oct 12, 2026 · 4.50% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.49%
▲ 1.90% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.90% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.49% ▲ 0.67 pts · high 4.49% / low 3.82%
- Oct 9, 20264.49%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.49%
▲ 1.90% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.90% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.49% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 36 Month
$0
4.35%
▲ 1.76% above Iowa avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.76% above avgNationally 2.81%
Details
Balance: $2,000.00 - $99,999.99
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36 Month CD Specials
$225,000
4.35%
▲ 1.76% above Iowa avg
▼
Rate4.28%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.76% above avgNationally 2.81%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
36 Month CD
$5,000
4.30%
▲ 1.71% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.71% above avgNationally 2.81%
Details
Limited Time Only
Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.27%
▲ 1.68% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.68% above avgNationally 2.81%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36 Month CD Specials
$125,000
4.25%
▲ 1.66% above Iowa avg
▼
Rate4.18%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.66% above avgNationally 2.81%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 3 times
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Raise-A-Rate
$5,000
4.21%
▲ 1.62% above Iowa avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.62% above avgNationally 2.81%
Details
Rate History
1 change since Oct 7, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 11, 20264.21%▲ from 4.00%
- Oct 7, 20264.00%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.16%
▲ 1.57% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.57% above avgNationally 2.81%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36 Month CD Specials
$500
4.15%
▲ 1.56% above Iowa avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.56% above avgNationally 2.81%
Details
Deposit Amount: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 month CD Special One Way
$0
4.10%
▲ 1.51% above Iowa avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.51% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Sep 24, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
36 Month Certificate of Deposit
$1,000
4.04%
▲ 1.45% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.45% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.04% APY
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.45% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.00%
▲ 1.41% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.41% above avgNationally 2.81%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00%
▲ 1.41% above Iowa avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.41% above avgNationally 2.81%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91%
▲ 1.32% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.32% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36 Month Certificate
$1,000
3.90%
▲ 1.31% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.31% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 3, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month Adjust-A-Rate CD
$1,000
3.89%
▲ 1.30% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.30% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.89% APY · checked 5 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 Month Jumbo Certificate
$100,000
3.87%
▲ 1.28% above Iowa avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.28% above avgNationally 2.81%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 36-month IRA
$0
3.85%
▲ 1.26% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.26% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.85% APY
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
36 Month Certificate
$3,000
3.81%
▲ 1.22% above Iowa avg
▼
Rate3.77%
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.22% above avgNationally 2.81%
Details
Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.81% ▲ 0.16 pts · high 3.81% / low 3.65%
- Sep 24, 20263.81%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Step Certificate of Deposit - 3 Year Step
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Step CD: eligible to step up rate once during the term, any time after the initial 12 months; Interest Paid: Quarterly; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 3.80% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 36 Month
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.80% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
36 Month Certificates of Deposit
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Traditional and Roth IRA - 36 Months
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
36 Month Jumbo Certificates
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
36 Month Certificate of Deposit
$1,000
3.79%
▲ 1.20% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.20% above avgNationally 2.81%
Details
Balance: $24,999.99 and under; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 3.79% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 Month Premier Certificates
$0
3.76%
▲ 1.17% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.17% above avgNationally 2.81%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Sep 18, 20263.76%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
36 Month Certificate
$10,000
3.75%
▲ 1.16% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month CD
$500
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA 36 Month Share Certificate
$0
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
IRA Savings: $1000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Sep 18, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
36 Month JUMBO Certificate
$100,000
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
$100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
36 Month Certificates
$0
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 13, 20263.75%▲ from 3.25%
- Sep 18, 20263.25%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 36 Month
$0
3.70%
▲ 1.11% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.11% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 36 Months
$500
3.70%
▲ 1.11% above Iowa avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.11% above avgNationally 2.81%
Details
Interest Paid Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 20, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
36 Month Certificates of Deposit
$0
3.65%
▲ 1.06% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.06% above avgNationally 2.81%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
36 Month Share Certificate
$1,000
3.65%
▲ 1.06% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.06% above avgNationally 2.81%
Details
$1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.63%
▲ 1.04% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.04% above avgNationally 2.81%
Details
Balance: $10,000+
Rate History
1 change since Sep 24, 2026 · 2.72% → 3.63% ▲ 0.91 pts · high 3.63% / low 2.72%
- Oct 3, 20263.63%▲ from 2.72%
- Sep 24, 20262.72%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 36 Month
$0
3.60%
▲ 1.01% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.01% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.60% APY
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36-Month Term CD
$1,000
3.55%
▲ 0.96% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 0.96% above avgNationally 2.81%
Details
Balance: $50,000.00 and above; Interest compounds and is paid quarterly; One time bump option available
Rate History
No change since Oct 14, 2026 · 3.55% APY
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 36 Months
$1,000
3.55%
▲ 0.96% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 0.96% above avgNationally 2.81%
Details
One Bump - Up per Term
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Sigourney 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
48 Month CD
$0
2.92%
▲ 0.27% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.27% above avgNationally 2.80%
Details
Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest
Rate History
No change since Sep 18, 2026 · 2.92% APY · checked 4 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
48 Month CD
$0
2.67%
▲ 0.02% above Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.02% above avgNationally 2.80%
Details
Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest
Rate History
No change since Sep 18, 2026 · 2.67% APY · checked 4 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.75%
▲ 2.10% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.10% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
- Oct 9, 20264.75%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.75%
▲ 2.10% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.10% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.65%
▲ 2.00% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.00% above avgNationally 2.80%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.65%
▲ 2.00% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.00% above avgNationally 2.80%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.55%
▲ 1.90% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.90% above avgNationally 2.80%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.55%
▲ 1.90% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.90% above avgNationally 2.80%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 2 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
4.50%
▲ 1.85% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.85% above avgNationally 2.80%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 48 Month
$0
4.45%
▲ 1.80% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.80% above avgNationally 2.80%
Details
Balance: $100,000.00 and above
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30%
- Oct 14, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 48 Month
$0
4.30%
▲ 1.65% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.65% above avgNationally 2.80%
Details
Balance: $2,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.30% ▼ 0.00 pts · high 4.30% / low 4.24%
- Oct 14, 20264.30%▲ from 4.24%
- Sep 27, 20264.24%▼ from 4.30%
- Sep 18, 20264.30%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.27%
▲ 1.62% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.62% above avgNationally 2.80%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
48 Month Certificate
$10,000
4.25%
▲ 1.60% above Iowa avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.60% above avgNationally 2.80%
Details
Balance: $10,000
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.16%
▲ 1.51% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.51% above avgNationally 2.80%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▲ 1.50% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.50% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 48-month IRA
$0
4.10%
▲ 1.45% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.45% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.10% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
48 Month Jumbo Certificates
$0
4.05%
▲ 1.40% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.40% above avgNationally 2.80%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit
$1,000
4.04%
▲ 1.39% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.39% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.04% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
4.00%
▲ 1.35% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.35% above avgNationally 2.80%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48 Month Certificate
$1,000
3.90%
▲ 1.25% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.25% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 3, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month CD
$500
3.85%
▲ 1.20% above Iowa avg
▼
Rate3.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.20% above avgNationally 2.80%
Details
Rate History
No change since Sep 28, 2026 · 3.85% APY · checked 4 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 48 Month
$0
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.80% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
48 Month Certificates of Deposit
$0
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Traditional and Roth IRA - 48 Months
$0
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
48 Month Certificate
$5,000
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.76%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.64% → 3.80% ▲ 0.16 pts · high 3.80% / low 3.64%
- Sep 24, 20263.80%▲ from 3.64%
- Sep 14, 20263.64%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4 Year Share Certificate
$500
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 5 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit
$1,000
3.79%
▲ 1.14% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.14% above avgNationally 2.80%
Details
Balance: $24,999.99 and under; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 3.79% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 Month Jumbo Certificate
$100,000
3.76%
▲ 1.11% above Iowa avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.11% above avgNationally 2.80%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Months Time Certificate of Deposit
$2,500
3.75%
▲ 1.10% above Iowa avg
▼
Rate3.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.10% above avgNationally 2.80%
Details
Rate History
1 change since Oct 7, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 11, 20263.75%▲ from 3.35%
- Oct 7, 20263.35%first recorded
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 48 Months
$500
3.75%
▲ 1.10% above Iowa avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.10% above avgNationally 2.80%
Details
Interest Paid Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Sep 20, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75%
▲ 1.10% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.10% above avgNationally 2.80%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 1, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 48 Month
$0
3.70%
▲ 1.05% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.05% above avgNationally 2.80%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY
Fairfax State Savings Bank
Institution Rating:
B+4.6 ★Texas Ratio: 12.90%
48 Month Time Certificate of Deposit
$1,000
3.70%
▲ 1.05% above Iowa avg
▼
Rate3.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.05% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.70% ▲ 0.95 pts · high 3.70% / low 2.75%
- Oct 3, 20263.70%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 Month Premier Certificates
$0
3.66%
▲ 1.01% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.01% above avgNationally 2.80%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61%
- Sep 18, 20263.66%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
48-Month CD
$5
3.65%
▲ 1.00% above Iowa avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.00% above avgNationally 2.80%
Details
All certificates require a $5 minimum opening balance; $5 Membership Share account required; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
48 Month Certificates of Deposit
$0
3.65%
▲ 1.00% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.00% above avgNationally 2.80%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 48 Month
$0
3.60%
▲ 0.95% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.95% above avgNationally 2.80%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.60% APY
Bank Plus
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$1,000
3.56%
▲ 0.91% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.91% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.56% APY
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Step Certificate of Deposit - 4 Year Step
$0
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Step CD: eligible to step up rate once during the term, any time after the initial 12 months; Interest Paid: Quarterly; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 3.55% APY
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-Month Term
$1,000
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Balance: $50,000 and above; Interest compounds and is paid quarterly. One time bump option available.
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 48 Months
$1,000
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 48 Months
$1,000
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.53%
▲ 0.88% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.88% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.12% → 3.53% ▲ 0.41 pts · high 3.53% / low 3.12%
- Oct 3, 20263.53%▲ from 3.12%
- Sep 14, 20263.12%first recorded
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
48 Month Certificates of Deposit
$25,000
3.53%
▲ 0.88% above Iowa avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 0.88% above avgNationally 2.80%
Details
Minimum Balance: $25,000 Minimum
Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 5 times
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
48 Month 1 Step Up
$10,000
3.50%
▲ 0.85% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Oct 3, 2026 · 3.50% APY · checked 3 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Certificates
$500
3.50%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month IRA Share Certificates
$500
3.50%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Farmers Savings Bank Fostoria, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
4 Year Certificate of Deposit
$500
3.49%
▲ 0.84% above Iowa avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 0.84% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.49% ▲ 0.46 pts · high 3.49% / low 3.03%
- Sep 24, 20263.49%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B4.4 ★Texas Ratio: 22.12%
Certificate Accounts - 48 Month
$500
3.45%
▲ 0.80% above Iowa avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.80% above avgNationally 2.80%
Details
Balance tier starting $250,001
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
- Sep 22, 20263.45%▲ from 3.30%
- Sep 14, 20263.30%first recorded
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-Month Term
$1,000
3.44%
▲ 0.79% above Iowa avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.79% above avgNationally 2.80%
Details
Balance: $25,000-$49,999.99; Interest compounds and is paid quarterly. One time bump option available.
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 9 times
Sigourney 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
60 Month CD
$0
3.02%
▲ 0.32% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.32% above avgNationally 2.91%
Details
Balance: $1,000,000.00 and over; Penalty: loss of 365 days interest
Rate History
No change since Sep 18, 2026 · 3.02% APY · checked 4 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
201 S Jefferson St, Sigourney, IA 52591
60 Month CD
$0
2.77%
▲ 0.07% above Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.07% above avgNationally 2.91%
Details
Balance: $500.00 - $99,999.99; Penalty: loss of 365 days interest
Rate History
No change since Sep 18, 2026 · 2.77% APY · checked 4 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%
- Oct 9, 20264.80%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.80% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.91%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.91%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.96% above Iowa avg
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.96% above avgNationally 2.91%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 60-month IRA
$0
4.61%
▲ 1.91% above Iowa avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.91% above avgNationally 2.91%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.61% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.91%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.91%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Jumbo Certificates
$0
4.55%
▲ 1.85% above Iowa avg
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.85% above avgNationally 2.91%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.91%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Certificates
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.91%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 13, 20264.50%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 5 Year
$0
4.45%
▲ 1.75% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.75% above avgNationally 2.91%
Details
Balance: $100,000.00 and above
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30%
- Oct 14, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 Month CD Specials
$225,000
4.45%
▲ 1.75% above Iowa avg
▼
Rate4.38%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.75% above avgNationally 2.91%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.45% APY · checked 3 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Relationship CD
$500
4.40%
▲ 1.70% above Iowa avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.70% above avgNationally 2.91%
Details
Must have a loan, deposit, or trust and investment account with City State Bank.
Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 Month CD Specials
$125,000
4.35%
▲ 1.65% above Iowa avg
▼
Rate4.28%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.65% above avgNationally 2.91%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 5 Year
$0
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.91%
Details
Balance: $2,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.30% ▼ 0.00 pts · high 4.30% / low 4.24%
- Oct 14, 20264.30%▲ from 4.24%
- Sep 27, 20264.24%▼ from 4.30%
- Sep 18, 20264.30%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month CD
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.91%
Details
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month IRA
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.91%
Details
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$1,000
4.27%
▲ 1.57% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.57% above avgNationally 2.91%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 Month CD Specials
$500
4.25%
▲ 1.55% above Iowa avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.55% above avgNationally 2.91%
Details
Deposit Amount: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$1,000
4.16%
▲ 1.46% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.46% above avgNationally 2.91%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Certificate of Deposit
$1,000
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.91%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.04% APY
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
60 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
4.00%
▲ 1.30% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.30% above avgNationally 2.91%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 60 Month
$0
3.91%
▲ 1.21% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.21% above avgNationally 2.91%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.91% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 60 Month
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.80% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
60 Month Certificates of Deposit
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Traditional and Roth IRA - 60 Months
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY
Fairfax State Savings Bank
Institution Rating:
B+4.6 ★Texas Ratio: 12.90%
60 Month Time Certificate of Deposit
$1,000
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.80% ▲ 1.05 pts · high 3.80% / low 2.75%
- Oct 3, 20263.80%▲ from 2.75%
- Sep 14, 20262.75%first recorded
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 60 Months
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Interest Paid Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Sep 20, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
5 Year Share Certificate
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 5 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Certificate of Deposit
$1,000
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.91%
Details
Balance: $24,999.99 and under; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 3.79% APY
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
60 Month Adjust-A-Rate CD
$1,000
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month CD's
$0
3.75%
▲ 1.05% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.91%
Details
As High As; Summary rate card on Rates page
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month Certificates
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.91%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month IRA Share Certificates
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.91%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 Month Jumbo Certificate
$100,000
3.71%
▲ 1.01% above Iowa avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.01% above avgNationally 2.91%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.71% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 60 Month
$0
3.70%
▲ 1.00% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.00% above avgNationally 2.91%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
60 Month Certificates of Deposit
$0
3.65%
▲ 0.95% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.95% above avgNationally 2.91%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$50,000
3.63%
▲ 0.93% above Iowa avg
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.93% above avgNationally 2.91%
Details
Balance: 50,000+
Rate History
1 change since Sep 14, 2026 · 3.22% → 3.63% ▲ 0.41 pts · high 3.63% / low 3.22%
- Oct 3, 20263.63%▲ from 3.22%
- Sep 14, 20263.22%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 Month Premier Certificates
$0
3.61%
▲ 0.91% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.91% above avgNationally 2.91%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 5 times
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-Month Term
$1,000
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.91%
Details
Balance: $50,000 and above; Interest compounds and is paid quarterly; One time bump option available
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate 60 Months
$1,000
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 60 Months
$1,000
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B4.4 ★Texas Ratio: 22.12%
Certificate Accounts - 60 Month
$500
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.91%
Details
Balance tier starting $250,001
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Certificate of Deposit - 60-month
$0
3.53%
▲ 0.83% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.83% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.53% APY
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 5 Year
$0
3.53%
▲ 0.83% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.83% above avgNationally 2.91%
Details
Interest Paid: Semi-Annually; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 3.53% APY
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 MONTH PENALTY=360 DAYS OF INTEREST
$5,000
3.53%
▲ 0.83% above Iowa avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.83% above avgNationally 2.91%
Details
PENALTY=360 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.53% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Sigourney, IA CD Rate Trends
Compare local Sigourney, 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
2.845%
▲ 0.016 vs 7 days ago
Iowa 12-month CD rates rose 0.016 points over the past 7 days to 2.845% APY.
6-Month CD IA Avg
2.671%
▼ 0.020 vs 7 days ago
Iowa 6-month CD rates fell 0.020 points over the past 7 days to 2.671% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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IA CD Rate Forecast, Next 12 Months
Where are Iowa CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.845%
6-Month Forecast
2.845%
Range: 2.65%, 3.00%
12-Month Forecast
3.095%
Range: 2.90%, 3.25%
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What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.904% | $95.21 | $190.41 | $476.03 | $952.05 |
| 6-Month CD | 2.671% | $133.56 | $267.12 | $667.80 | $1,335.60 |
| 12-Month CD | 2.845% | $142.25 | $284.50 | $711.25 | $1,422.50 |
| 18-Month CD | 2.838% | $141.91 | $283.82 | $709.55 | $1,419.10 |
| 24-Month CD | 2.725% | $136.26 | $272.52 | $681.30 | $1,362.60 |
| 36-Month CD | 2.591% | $129.54 | $259.07 | $647.68 | $1,295.35 |
| 48-Month CD | 2.647% | $132.34 | $264.67 | $661.68 | $1,323.35 |
| 60-Month CD | 2.704% | $135.19 | $270.37 | $675.93 | $1,351.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Sigourney, 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 | 1.904% | $95.21 |
| 2 | 6-Month CD | $5,000 | 2.671% | $133.56 |
| 3 | 12-Month CD | $5,000 | 2.845% | $142.25 |
| 4 | 24-Month CD | $5,000 | 2.725% | $136.26 |
| 5 | 36-Month CD | $5,000 | 2.591% | $129.54 |
| Total ($25,000 invested) | $25,000 | 2.547% blended | $636.82/yr | |
Ladder example uses equal $5,000 rungs and Iowa average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,131
CD Rates
Tracked in Sigourney, Iowa
Tracked in Sigourney, Iowa
74 Banks
35 Credit Unions
About Our Sigourney, Iowa CD Rate Database
MonitorBankRates tracks 1,131 CD rates from 74 banks and 35 credit unions with locations in Sigourney, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Fidelity Bank & Trust (IA) offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sigourney, Iowa.
How to Find the Best CD Rates in Sigourney, Iowa
What to compare when shopping for a CD in Sigourney, Iowa
To find the best APYs in Sigourney, Iowa, start with credit unions and online-only banks: Sigourney, Iowa has 35 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 Sigourney, 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 Sigourney, Iowa: 109 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Sigourney, 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 Sigourney, Iowa money market rates
Sigourney, Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
29.2%
National avg: 17.3%
Median Individual Earnings
$36,483
National avg: $47,340
Poverty Rate
14.8%
National avg: 11.1%
Unemployment Rate
8.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$104/yr
At IA 12-mo avg 2.845% APY
29.2% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 8.3% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s IA 12-month CD average of 2.845%, saving 10% of the local median salary ($3,648/year) and putting it in a CD would earn an additional $104 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 Sigourney, Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Sigourney, 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 Sigourney, 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 Sigourney, Iowa as everywhere in the U.S.
Choosing a CD Term in Sigourney, 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 Sigourney, Iowa savers easier access to their funds. For example, 5 Star Community Credit Union is offering its 6 Month Share Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Fidelity Bank & Trust (IA) is offering its 60 Month CD at 3.02% 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 Sigourney, 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 Sigourney, 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 Sigourney, 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 Sigourney, 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 Sigourney, Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sigourney, 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 Sigourney, Iowa
Are CD rates in Sigourney, Iowa FDIC insured?
Yes, most established banks in Sigourney, 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 Sigourney, 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 Sigourney, 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 Sigourney, 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 Sigourney, Iowa?
Here are recent top rates found for this area:
- Fidelity Bank & Trust (IA): 4.50% APY (24 Month CD)
- Serve Credit Union: 4.80% APY (60-Month Certificate)
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- Luana Savings Bank: 4.50% APY (Certificate of Deposit - 36 Month)
- Midwest Heritage Bank: 4.50% APY (Certificate of Deposit - 24 Months)
- Fidelity Bank Savanna, IL: 4.50% APY (20-month special, with rollover into 24-month at time of maturity)
- Bank: 4.50% APY (IntraFi Network CD 3 Year)
- F&M State Bank Winterset, IA: 4.50% APY (24 Month CD)
- 5 Star Community Credit Union: 4.50% APY (6 Month Share Certificate)
- Cent Credit Union: 4.50% APY (24 Month Time Share Certificate)
Rates reflect recent verified offers available in Sigourney, Iowa. Last Updated: October 14, 2026
Sigourney, 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 Sigourney, Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Sigourney, Iowa
Sigourney, Iowa CD Calculator
At today’s IA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Sigourney, Iowa CD LadderIA CD rates currently range from 1.904% (3-month) to 2.591% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sigourney, Iowa CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.845% 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 Sigourney, 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 Sigourney, 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 Sigourney, Iowa. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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