Thor, Iowa CD rates from banks and credit unions serving Iowa range from 0.75% to 4.80% APY, verified by MonitorBankRates as of October 31, 2026. Current Thor, Iowa CD rates include Serve Credit UnionServe Credit UnionA+5.0 ★Texas Ratio: 3.05%Real return: +1.10%APY minus CPIRate verified Oct 29, 2026 offering 60-MONTH CERTIFICATE at 4.80% APY, Readlyn Savings BankReadlyn Savings BankA5.0 ★Texas Ratio: 10.84%Real return: +1.08%APY minus CPIRate verified Oct 31, 2026 offering IRA 3 Year Fixed Interest Rate at 4.78% APY, Marine Credit UnionMarine Credit UnionA5.0 ★Texas Ratio: 13.08%Real return: +0.96%APY minus CPIRate verified Oct 29, 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: +0.90%APY minus CPIRate verified Oct 31, 2026 offering Certificate of Deposit - 36 Month at 4.60% APY, and Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)A5.0 ★Texas Ratio: 12.05%Real return: +0.80%APY minus CPIRate verified Oct 31, 2026 offering 24 Month CD at 4.50% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Thor is a smaller community with no bank or credit union branches currently in our database. 767 institutions serving the Iowa area are available to Thor residents, with CD rates as high as 4.80% APY from Serve Credit Union. 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 31, 2026
Certificates of Deposit; Minimum balance to obtain APY is $1,000; Non-institutional funds only; Early withdrawal penalties may apply; Rate current as of 9/25/26
3 Month Add-On; Only available for members under age 18; Member may add to certificate balance at any time; $30,000 maximum; Penalty for Early Withdrawal
Only available for members under age 18; member may add to certificate balance at any time; $100 min, $30,000 max; Penalty for early withdrawal
Balance: $100,000 and above
Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online
Balance: $2,000 to $99,999.99
Interest Paid: At Maturity; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Certificate of Deposit Special Rates; $500 minimum deposit to open; Rates effective as of 9/21/2026; CD specials are available only for a limited time
Minimum deposit $5,000 for 3 Month Certificate; penalty for early withdrawal; HSA certificates available; Rate = dividend rate
Interest Compounded and Credited: At Maturity
Compounded at maturity
Interest payment options available; early withdrawal penalty applies; APY current as of 10/30/2026
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Dividend rate 3.06%; APY assumes quarterly compounding
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Certificate of Deposit Accounts; Effective 09/25/2026
Balance: $250,000 and over; Rates effective: 10/1/2026
Dividends compounded and credited at maturity; *Any rate above may change at any time.*
Balance: $90,000 +; APY* = Annual Percentage Yield
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Balance: $50,000 - $89,999
Balance: $10,000 - $49,999
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Balance: $250 - $9,999
Balance: $50,000 - $99,999
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Effective Thru 10/27/2026; Compound Frequency: @Maturity
Balance: $50,000.00 & IRA
Rates as of June 8, 2023; APY compounded quarterly
Open online
Balance: $15,000.00 - $49,999.99
Balance: $25,000 - $49,999
Balance: $1,000.00 minimum; 3-60 month term has a minimum opening balance requirement of $1000.00
Balance: $50,000.00 & IRA
Balance: $15,000.00 - $49,999.99
Balance: $2,500.00 minimum; 30-90 day has a minimum opening balance requirement of $2500.00
Interest paid at maturity
APY Quarterly compounding; Early withdrawal penalty may be imposed
Rates effective 09/22/2026; APY = Annual Percentage Yield; Penalties for early withdrawal
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Balance: $10,000 - $24,999
Compounding: Quarterly; Early withdrawal penalty applies
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Interest at maturity; Penalty may be imposed for early withdrawal
Dividends compounded and credited at maturity; *Any rate above may change at any time.*
$100,000 minimum
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $100,000 and above
Balance: $100,000 and above
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Auto-renews into a 6-month certificate at the current rate at maturity; Early withdrawal penalty may apply
Limited Time Special; Penalty for early withdrawal
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Balance: $60,000.00 - $99,999.99
Limited Time Special; Penalty for early withdrawal
Balance: $2,000 to $99,999.99
Balance: $2,000 to $99,999.99
Balance: $100,000 and over
APY Quarterly compounding; Early withdrawal penalty may be imposed
Penalty for early withdrawal; HSA certificates available; Rate = dividend rate
APY Semi-Annual compounding; Early withdrawal penalty may be imposed
Balance: => $100,000
Balance: => $100,000; Penalty for early withdrawal
Balance: => $100,000; Penalty for early withdrawal
CD Special: customer picks term from 6 Month, 12 Month or 18 Month; minimum deposit of $25,000 required
Balance: $50,000 to $99,999.99
Penalty: 3 month
Penalty: 3 month; Share certificates compounded quarterly
Minimum balance to open: $10,000
Dividend rate 3.94%; APY assumes quarterly compounding
APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal
Member Loyalty APY; Balance: $100,000.00 & greater; Period: Quarterly
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Dividend Frequency: Monthly
Balance: $1000 to $49,999.99
Not applicable to IRAs; Renewal: Automatic; Rates effective 11/10/25
Interest Paid: Semi-Annually; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Balance: $100,000+; $1,000 minimum deposit to open account
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Member Loyalty APY; Balance: $1,000.00-99,999.99; Period: Quarterly
Interest compounded quarterly; Minimum $1,000 to open; CD specials are available only for a limited time
CD special, available for a limited time; Interest compounded quarterly; Penalty for early withdrawal: 180 days loss of interest
Balance: $100,000+
$2,500 Minimum
Balance: $100,000.00 and greater; Period: Quarterly
Balance: $100,000.00 & greater; Period: Quarterly
Balance: < $100,000
Balance: < $100,000; Penalty for early withdrawal
Pick Your Term CD Special; special interest rate and APY offered only on a limited time basis
$100,000 minimum
Limited Time Special; Penalty for early withdrawal
Balance: $100,000 and above
Balance: $100,000 and above
Balance: $100,000.00 and Over
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rates effective as of August 26, 2026. Subject to penalty for early withdrawal.
CD Special; special interest rate and APY offered only on a limited time basis
Limited Time Special; Penalty for early withdrawal
Penalty for early withdrawal; HSA certificates available; Rate = dividend rate
IRA; APY based on quarterly compounding; Substantial penalty for early withdrawal
IRA; APY based on quarterly compounding; Substantial penalty for early withdrawal; Interest Rate & APY may vary and can change at any time after account opening
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Dividend rate 4.18%; APY assumes quarterly compounding
1 Year Star Saver; $100.00 minimum; dividend rate 4.18%; APY assumes quarterly compounding
Balance: $250 - $1,000; Members ages 17 and under; Rates effective 10/1/2026
Balance: $100,000 and over
Balance: $100,000 and over; Minimum of $1,000 Deposit
Balance: $100,000 - and above; Interest Compounded: Quarterly
Balance: $500 and above; Kid's CD for individuals 18 years of age or younger; two additional deposits may be made during the 12 month term, minimum $100 each
Balance: $2,000 to $99,999.99
Balance: $2,000 to $99,999.99
Deposit Amount: $500 and above; To qualify the individual must be 18 years of age or younger; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit
Balance: $60,000.00 - $99,999.99
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
Balance: $0.00 - $24,999.99
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit
Balance: $500.00 - $99,999.99
Balance: $2,000 minimum for APY
Minimum balance to open and obtain stated APY: $2,000
Balance: $7,500 - $99,999.99; Interest Compounded: Quarterly
Balance: $25,000 and above; Compounded semi-annually
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Footnote (3)
APY for $25,000 minimum deposit; early withdrawal penalty will or may be imposed
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Special 12 month certificate
Balance: $10,000 minimum; Rates as of 10/21/2026
Balance: $10,000-24,999; Compounded semi-annually
Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Interest Paid: Semi-Annually; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
APY for $5,000 minimum deposit; early withdrawal penalty will or may be imposed
CD Special: customer picks term from 6 Month, 12 Month or 18 Month; minimum deposit of $25,000 required
Balance: $1000 to $49,999.99
Balance: $100,000 and above
Special
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
CD Special; special interest rate and APY offered only on a limited time basis
Penalty for early withdrawal; HSA certificates available; Rate = dividend rate
Balance: $2,000 to $99,999.99
Balance: $500.00 - $99,999.99
Limited Time Special; Penalty for early withdrawal
APY Quarterly compounding; Early withdrawal penalty may be imposed
APY accurate as of 10/19/2026; Rate subject to change without notice; Early withdrawal penalties may apply
Branch/location: Available in Dubuque, Lubbock, Albuquerque, and Boise; Limited time offer; New customers only; $10,000 minimum opening deposit in new funds; Must have or open an active Elevate or Summit checking account; Bump-up: may raise rate once during term if Capra's rates increase; The promotional APY is accurate as of July 1, 2026
Dividend rate 4.18%; APY assumes quarterly compounding
Minimum opening deposit $500; all certificates renewable with 10-day grace period; penalty for early withdrawal; APY accurate as of October 14, 2026
APY Semi-Annual compounding; Early withdrawal penalty may be imposed
Limited Time Special; Penalty for early withdrawal
Compounded semi-annually
Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly
Balance: $100,000.00 and Over
Adjust-A-Rate CD: during the first term, the owner may exchange the rate once per maturity at no cost; rates effective as of August 26, 2026; subject to early withdrawal penalty
Rates effective as of 10/20/2026
Balance: Minimum $5,000 balance required; New Money only brought in from other financials; no existing funds are eligible; Current rates as of 10/01/2026
Balance: $100,000+; $1,000 minimum deposit to open account
Interest Paid: Semi-Annually; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
A penalty may be charged for funds withdrawn prior to maturity
Penalty may be charged for funds withdrawn prior to maturity
Semi Annual Interest; Penalty may be imposed for early withdrawal
CD Special: customer picks term from 6 Month, 12 Month or 18 Month; minimum deposit of $25,000 required
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Balance: $100,000.00 and greater; Period: Quarterly
Balance: $100,000.00 & greater; Period: Quarterly
$10,000 Minimum
Balance: $0.00 - $24,999.99
Balance: $100,000 and above; Interest Compounded: Quarterly
Balance: $1,000.00-99,999.99; Period: Quarterly
Balance: $1,000.00-99,999.99; Period: Quarterly
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance tier: $10,000 minimum
Penalty: 6 month
Penalty: 6 month; Share certificates compounded quarterly
Balance: $7,500 - $99,999.99; Interest Compounded: Quarterly
Balance: $10,000 minimum; Rates as of 10/21/2026
Balance: $10,000+; $1,000 minimum deposit to open account
Penalty for early withdrawal.
Penalty for early withdrawal applies
Interest Compounded and Credited: Semi-Annually
Balance: $250 - $1,000; Members ages 17 and under; Rates effective 10/1/2026
Balance: $100,000 and over
Balance: $100,000 and over; Minimum of $1,000 Deposit
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit
Balance: $500.00 - $99,999.99
Fixed rate of 4.50% for 24 months; $25,000 minimum deposit in new money (money not currently on deposit at Availa Bank); public or brokered funds not eligible; early withdrawal penalty may apply; rates accurate as of September 28, 2026; program subject to end at any time
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Balance: $1,000+; $1,000 minimum deposit to open account
Time Share Certificates
Balance: $100,000 and above
$100,000 minimum
Balance: $1000 to $49,999.99
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Limited Time Special; Penalty for early withdrawal
Balance: $2,000 to $99,999.99
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Limited Time Only; Compound Frequency: Semi Annual
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $225,000.00 and above; Compounding: Quarterly
Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly
Dividend rate 4.18%; APY assumes quarterly compounding
Limited Time Special; Penalty for early withdrawal
Penalty for early withdrawal; HSA certificates available; Rate = dividend rate
Penalty: 180 days of interest
Balance: $60,000.00 - $99,999.99
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Early withdrawal penalty may be imposed
Base APY; Early withdrawal penalty may be imposed
Compounded semi-annually
Balance: $125,000.00-$224,999.99; Compounding: Quarterly
Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly
Balance: $100,000.00 and Over
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Balance: $100,000.00 and greater; Period: Quarterly
Balance: $100,000.00 & greater; Period: Quarterly
Interest Paid: Semi-Annually; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
APY for $25,000 minimum deposit; early withdrawal penalty will or may be imposed
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Certificate of Deposit Special Rates; $500 minimum deposit to open; Rates effective as of 9/21/2026; CD specials are available only for a limited time
Limited-time CD special; $500 minimum deposit to obtain APY; rates effective as of September 21, 2026; open online, at a branch, or by calling 1-800-433-0285
Balance: $500.00-$124,999.99; Compounding: Quarterly
APY for $5,000 minimum deposit; early withdrawal penalty will or may be imposed
Penalty: 180 days of interest
IRA; APY based on quarterly compounding; Substantial penalty for early withdrawal
Balance: $100,000 and over
Balance: $100,000 and over; Minimum of $1,000 Deposit
Balance: $100,000 and above
Balance: $100,000 and above
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit
Balance: $10,000+; Early withdrawal penalty may apply
Balance: $1000 to $49,999.99
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit
Balance: $2,000 to $99,999.99
Balance: $2,000 to $99,999.99
$100,000 minimum
Balance: $225,000.00 and above; Compounding: Quarterly
Limited Time Only; Compound Frequency: Semi Annual
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $125,000.00-$224,999.99; Compounding: Quarterly
Balance: $60,000.00 - $99,999.99
Raise-A-Rate certificate
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $500.00-$124,999.99; Compounding: Quarterly
Certificate of Deposit Special Rates; $500 minimum deposit to open; Rates effective as of 9/21/2026; CD specials are available only for a limited time
Balance: $100,000.00 and Over
A penalty may be charged for funds withdrawn prior to maturity
Penalty may be charged for funds withdrawn prior to maturity
Balance: $1,000+; Early withdrawal penalty may apply
Penalty for early withdrawal; HSA certificates available; Rate = dividend rate
$2,500 Minimum
IRA Savings: $1000 Minimum
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
Rate may be changed one time during term of certificate; Compounded semi-annually
Adjust-A-Rate CD: during the first term, the owner may exchange the rate once per maturity at no cost; rates effective as of August 26, 2026; subject to early withdrawal penalty
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Effective Thru 10/27/2026; Compound Frequency: Semi-Annually
Step CD: eligible to step up rate once during the CD term, any time after the initial 12 months; Interest Paid: Quarterly; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Balance: $0.00 - $24,999.99
Balance tier: $10,000 minimum
Certificate of Deposit Accounts; Effective 09/25/2026
Balance: $100,000.00 & greater; Member Loyalty APY; Period: Quarterly
Penalty for early withdrawal
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Interest paid monthly; Fees may reduce earnings; penalty may be imposed for early withdrawals
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly
Balance: $100,000 and over
Balance: $100,000 and over; Minimum of $1,000 Deposit
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit
Balance: $100,000 and above
Balance: $1000 to $49,999.99
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit
Balance: $10,000+; $1,000 minimum deposit to open account; penalty may be imposed for early withdrawal
Balance: $2,000 to $99,999.99
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $10,000 and over; Minimum Balance to Open: $10,000
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Balance: $100,000.00 and Over
Balance: $1,000+; $1,000 minimum deposit to open account; penalty may be imposed for early withdrawal
$100,000 minimum
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
Compounded semi-annually
Certificate of Deposit Accounts; Effective 09/25/2026
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Effective Thru 10/27/2026; Compound Frequency: Semi-Annually
Balance: $60,000.00 - $99,999.99
Balance: $0.00 - $24,999.99
$2,500 Minimum
Individual Retirement Account (IRA) certificate
Interest paid monthly; Fees may reduce earnings; penalty may be imposed for early withdrawals
Penalty for early withdrawal; HSA certificates available; Rate = dividend rate
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Interest rates subject to change; early withdrawal penalty applies
Dividend rate 3.65%; APY assumes quarterly compounding
Early withdrawal penalty may apply
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Step CD: eligible to step up rate once during the CD term, any time after the initial 12 months; Interest Paid: Quarterly; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Balance: $50,000 and above; Interest compounds and is paid quarterly; One time bump option available
Balance: $50,000.00 and over
Balance: $25,000 Minimum
APY* = Annual Percentage Yield; Interest rates are effective as of September 2026; Penalty for early withdrawal; 12-60 month CDs: annual compounding
Balance tier: $10,000 minimum; 1 Step Up
Dividend may be bumped up two times during the initial term
Dividend may be bumped up two times during the initial term
Balance: $100,000 and over
Balance: $100,000 and over; Minimum of $1,000 Deposit
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Balance: $1000 to $49,999.99
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit
Balance: $100,000 and above
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Balance: $10,000+; Early withdrawal penalty may apply
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
Balance: $225,000.00 and above; Compounding: Quarterly
Balance: $2,000 to $99,999.99
Must have a loan, deposit, or trust and investment account with City State Bank; Effective 09/25/2026
Balance: $125,000.00-$224,999.99; Compounding: Quarterly
Certificate of Deposit Accounts; Effective 09/25/2026
IRA Accounts; Effective 09/25/2026
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $500.00-$124,999.99; Compounding: Quarterly
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Balance: $100,000.00 and Over
A penalty may be charged for funds withdrawn prior to maturity
Penalty may be charged for funds withdrawn prior to maturity
Footnote (7)
Balance: $1,000+; Early withdrawal penalty may apply
$100,000 minimum
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Balance: $1,000.00-99,999.99; Member Loyalty APY; Period: Quarterly
Balance: $60,000.00 - $99,999.99
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Interest rates subject to change; early withdrawal penalty applies
Interest paid monthly; Fees may reduce earnings; penalty may be imposed for early withdrawals
Balance: $0.00 - $24,999.99
Adjust-A-Rate CD: during the first term, the owner may exchange the rate once per maturity at no cost; rates effective as of August 26, 2026; subject to early withdrawal penalty
Dividend rate 3.70%; APY assumes quarterly compounding
As High As; Homepage summary rate
Dividend may be bumped up two times during the initial term
Dividend may be bumped up two times during the initial term
$2,500 Minimum
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Balance: $100,000 - and above; Interest Compounded: Quarterly
Balance: $50,000+; Effective date: September 30, 2026
Balance: $50,000.00 and above; Interest compounds and is paid quarterly; One time bump option available
Balance: $50,000.00 and above; Interest compounds and is paid quarterly; One time bump option available; Minimum balance to open is $1,000
Compare local Thor, 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.
Iowa 12-month CD rates rose 0.025 points over the past 7 days to 2.891% APY.
Iowa 6-month CD rates rose 0.017 points over the past 7 days to 2.815% APY.
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.
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 | 1.857% | $92.85 | $185.70 | $464.25 | $928.50 |
| 6-Month CD | 2.815% | $140.75 | $281.49 | $703.73 | $1,407.45 |
| 12-Month CD | 2.891% | $144.56 | $289.11 | $722.78 | $1,445.55 |
| 18-Month CD | 2.955% | $147.75 | $295.49 | $738.73 | $1,477.45 |
| 24-Month CD | 2.794% | $139.68 | $279.36 | $698.40 | $1,396.80 |
| 36-Month CD | 2.659% | $132.96 | $265.92 | $664.80 | $1,329.60 |
| 48-Month CD | 2.706% | $135.30 | $270.60 | $676.50 | $1,353.00 |
| 60-Month CD | 2.728% | $136.40 | $272.80 | $682.00 | $1,364.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
$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 | 1.857% | $92.85 |
| 2 | 6-Month CD | $5,000 | 2.815% | $140.75 |
| 3 | 12-Month CD | $5,000 | 2.891% | $144.56 |
| 4 | 24-Month CD | $5,000 | 2.794% | $139.68 |
| 5 | 36-Month CD | $5,000 | 2.659% | $132.96 |
| Total ($25,000 invested) | $25,000 | 2.603% blended | $650.80/yr | |
Ladder example uses equal $5,000 rungs and Iowa average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 1,433 CD rates from 80 banks and 35 credit unions with locations in Thor, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Serve Credit Union offers a CD at 4.80% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Thor, Iowa.
What to compare when shopping for a CD in Thor, Iowa
To find the best APYs in Thor, Iowa, start with credit unions and online-only banks: Thor, 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s IA 12-month CD average of 2.891%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $128 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
CD Product Information
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 Thor, 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 Thor, Iowa as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Thor, 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, Serve Credit Union is offering its 60-MONTH CERTIFICATE at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
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 Thor, 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.
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 Thor, Iowa CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Thor, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Thor, Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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.
At today’s IA top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.
Thor, Iowa CD LadderIA CD rates currently range from 1.857% (3-month) to 2.659% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Thor, Iowa CD at 4.80% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.891% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Thor, 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 Thor, 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 Thor, 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.