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CD Rate Trends

West Des Moines, Iowa Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

West Des Moines, Iowa CD rates range from 0.05% to 4.80% APY, verified by MonitorBankRates as of October 14, 2026. Current West Des Moines, Iowa CD rates include Marine Credit UnionMarine Credit Union909 9th St, West Des Moines, IA 50265A5.0 ★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, Fidelity Bank Savanna, ILFidelity Bank Savanna, IL177 S Jordan Creek Pkwy, West Des Moines, IA 50266A5.0 ★Texas Ratio: 7.99%Real return: +1.70%APY minus CPI (February 2026) offering 20-month special, with rollover into 24-month at time of maturity at 4.50% APY, BankBank270 S 68th St, West Des Moines, IA 50266A+5.0 ★Texas Ratio: 5.26%Real return: +1.70%APY minus CPI (February 2026) offering IntraFi Network CD 3 Year at 4.50% APY, TruBankTruBank6205 Mills Civic Pkwy, West Des Moines, IA 50266A5.0 ★Texas Ratio: 11.45%Real return: +1.55%APY minus CPI (February 2026) offering 6-12 Month CD Special at 4.35% APY, and Financial Plus Credit UnionFinancial Plus Credit Union1831 25th St, West Des Moines, IA 50266 1416A+5.0 ★Texas Ratio: 4.89%Real return: +1.28%APY minus CPI (February 2026) offering Certificate Specials - 18 Months at 4.08% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

West Des Moines has 169 local institutions in our database, with CD rates as high as 4.66% APY from Marine Credit Union at 909 9th St, West Des Moines, IA 50265. 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 West Des Moines, Iowa & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

West Des Moines 3 Month CD Rates

Iowa 3 Month CD Average1.90% APYNational 2.09%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
6139 Ashworth Rd, West Des Moines, IA 50266
3-Month CD Special
$1,000
4.00% ▲ 2.10% above Iowa avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.09%
Details

Non-institutional funds only. Rate current as of 9/25/26.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
3 Month Jumbo Certificates
$0
1.55% ▼ 0.35% below Iowa avg
View
▼
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
1.05%1.55%2.05%Sep 22, 2026: 1.55% APYSep 22, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
3 Month Certificates
$0
1.50% ▼ 0.40% below Iowa avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▼ 0.40% below avgNationally 2.09%
Details

Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
3-month CD
$500
0.25% ▼ 1.65% below Iowa avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▼ 1.65% below avgNationally 2.09%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 1.85% below Iowa avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.09%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
3 Month Standard CD
$1,000
0.05% ▼ 1.85% below Iowa avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.09%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
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
View
▼
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
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3 month CD Special
$0
3.75% ▲ 1.85% above Iowa avg
View
▼
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
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 1.85% above Iowa avg
View
▼
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
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
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
View
▼
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%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 3, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
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
View
▼
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
2.78%3.28%3.78%Oct 7, 2026: 3.28% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.75%3.25%3.75%Oct 11, 2026: 3.25% APYOct 11, 2026Oct 14, 2026
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
View
▼
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
2.64%3.14%3.64%Sep 20, 2026: 3.14% APYSep 20, 2026Oct 14, 2026
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
View
▼
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
2.53%3.03%3.53%Sep 20, 2026: 3.03% APYSep 20, 2026Oct 14, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Certificate
$2,500
3.02% ▲ 1.12% above Iowa avg
View
▼
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
2.52%3.02%3.52%Sep 30, 2026: 3.02% APYSep 30, 2026Oct 14, 2026
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
View
▼
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
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Oct 14, 2026
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
View
▼
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
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
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
View
▼
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
2.34%2.84%3.34%Oct 12, 2026: 2.84% APYOct 12, 2026Oct 14, 2026
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
View
▼
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
2.29%2.79%3.29%Oct 12, 2026: 2.79% APYOct 12, 2026Oct 14, 2026
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
View
▼
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
2.24%2.74%3.24%Oct 12, 2026: 2.74% APYOct 12, 2026Oct 14, 2026
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
View
▼
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
2.19%2.69%3.19%Oct 12, 2026: 2.69% APYOct 12, 2026Oct 14, 2026
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
View
▼
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
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026
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
View
▼
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
1.87%2.37%2.87%Sep 14, 2026: 2.37% APYSep 14, 2026Oct 14, 2026
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$50,000
2.27% ▲ 0.37% above Iowa avg
View
▼
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
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Unite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.08%
3-Month Certificate
$0
2.25% ▲ 0.35% above Iowa avg
View
▼
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
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$15,000
2.17% ▲ 0.27% above Iowa avg
View
▼
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
1.67%2.17%2.67%Sep 14, 2026: 2.17% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
1.64%2.14%2.64%Oct 8, 2026: 2.14% APYOct 8, 2026Oct 14, 2026
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$1,000
2.07% ▲ 0.17% above Iowa avg
View
▼
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
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
1.53%2.03%2.53%Sep 14, 2026: 2.03% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3-Months CD
$0
2.00% ▲ 0.10% above Iowa avg
View
▼
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
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84% ▼ 0.06% below Iowa avg
View
▼
Rate1.83%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 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 Sep 19, 2026 · 1.84% APY · checked 7 times
1.34%1.84%2.34%Sep 19, 2026: 1.84% APYSep 19, 2026Oct 14, 2026
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
View
▼
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
1.14%1.64%2.14%Oct 8, 2026: 1.64% APYOct 8, 2026Oct 14, 2026
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
3 Month Certificate
$10,000
1.50% ▼ 0.40% below Iowa avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▼ 0.40% below avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 3, 2026: 1.50% APYOct 3, 2026Oct 14, 2026
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD 3 Months
$500
1.41% ▼ 0.49% below Iowa avg
View
▼
Rate1.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▼ 0.49% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.41% APY · checked 2 times
0.91%1.41%1.91%Oct 8, 2026: 1.41% APYOct 8, 2026Oct 14, 2026
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
1.38% ▼ 0.52% below Iowa avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▼ 0.52% below avgNationally 2.09%
Details

Balance: $5,000 - $9,999

Rate History
No change since Oct 8, 2026 · 1.38% APY · checked 2 times
0.88%1.38%1.88%Oct 8, 2026: 1.38% APYOct 8, 2026Oct 14, 2026
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
3 Month Certificate
$1,000
1.25% ▼ 0.65% below Iowa avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▼ 0.65% below avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 3, 2026: 1.25% APYOct 3, 2026Oct 14, 2026
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
1.13% ▼ 0.77% below Iowa avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▼ 0.77% below avgNationally 2.09%
Details

Balance: $1,000 - $4,999

Rate History
No change since Oct 8, 2026 · 1.13% APY · checked 2 times
0.63%1.13%1.63%Oct 8, 2026: 1.13% APYOct 8, 2026Oct 14, 2026
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate
$1,000
1.00% ▼ 0.90% below Iowa avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 month term
$1,000
1.00% ▼ 0.90% below Iowa avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Share Certificate - 3 Month
$1,000
1.00% ▼ 0.90% below Iowa avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Regular Share Certificate; 3-11 month products paid monthly, others paid quarterly

Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 14, 2026
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Month CD SPECIALS minimum / consumer accounts only
$1,000
0.85% ▼ 1.05% below Iowa avg
View
▼
Rate0.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 24, 2026: 0.85% APYSep 24, 2026Oct 14, 2026
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3 Month CD
$1,000
0.80% ▼ 1.10% below Iowa avg
View
▼
Rate0.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▼ 1.10% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 30, 2026: 0.80% APYSep 30, 2026Oct 14, 2026

West Des Moines 6 Month CD Rates

Iowa 6 Month CD Average2.67% APYNational 2.77%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
6 Month Certificate Special
$0
4.00% ▲ 1.33% above Iowa avg
View
▼
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
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
6 Month Certificate
$1,500
3.48% ▲ 0.81% above Iowa avg
View
▼
Rate3.45%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Sep 7, 2026 · 3.48% APY · checked 8 times
2.98%3.48%3.98%Sep 7, 2026: 3.48% APYSep 7, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
6 Month Business Share Certificates
$0
3.14% ▲ 0.47% above Iowa avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.47% above avgNationally 2.77%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
6 Month Share Certificates
$1,000
3.14% ▲ 0.47% above Iowa avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.47% above avgNationally 2.77%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 4 times
2.64%3.14%3.64%Sep 18, 2026: 3.14% APYSep 18, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
6 Month Jumbo Certificates
$0
3.05% ▲ 0.38% above Iowa avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.38% above avgNationally 2.77%
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 · 2.30% → 3.05% ▲ 0.75 pts · high 3.05% / low 2.30%
1.55%2.68%3.80%Sep 22, 2026: 2.30% APYOct 13, 2026: 3.05% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20263.05%▲ from 2.30%
  • Sep 22, 20262.30%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$50,000
3.02% ▲ 0.35% above Iowa avg
View
▼
Rate3.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 0.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.82% → 3.02% ▲ 0.20 pts · high 3.02% / low 2.82%
2.32%2.92%3.52%Sep 14, 2026: 2.82% APYOct 3, 2026: 3.02% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.02%▲ from 2.82%
  • Sep 14, 20262.82%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
6 Month Certificates
$0
3.00% ▲ 0.33% above Iowa avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.33% above avgNationally 2.77%
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 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25%
1.50%2.63%3.75%Sep 18, 2026: 2.25% APYOct 13, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.00%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$25,000
2.72% ▲ 0.05% above Iowa avg
View
▼
Rate2.70%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 0.05% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.52% → 2.72% ▲ 0.20 pts · high 2.72% / low 2.52%
2.02%2.62%3.22%Sep 14, 2026: 2.52% APYOct 3, 2026: 2.72% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.72%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$2,500
2.62% ▼ 0.05% below Iowa avg
View
▼
Rate2.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 0.05% below avgNationally 2.77%
Details

Rate History
2 changes since Sep 14, 2026 · 0.75% → 2.62% ▲ 1.87 pts · high 2.62% / low 0.75%
0.00%2.25%4.49%Sep 14, 2026: 0.75% APYSep 24, 2026: 2.42% APYOct 3, 2026: 2.62% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.62%▲ from 2.42%
  • Sep 24, 20262.42%▲ from 0.75%
  • Sep 14, 20260.75%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$2,500
0.85% ▼ 1.82% below Iowa avg
View
▼
Rate0.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 1.82% below avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 0.75% → 0.85% ▲ 0.10 pts · high 0.85% / low 0.75%
0.25%0.80%1.35%Sep 14, 2026: 0.75% APYOct 3, 2026: 0.85% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20260.85%▲ from 0.75%
  • Sep 14, 20260.75%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
6 Month CD
$0
0.80% ▼ 1.87% below Iowa avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▼ 1.87% below avgNationally 2.77%
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 24, 2026: 0.80% APYSep 24, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
6 Month CD
$0
0.65% ▼ 2.02% below Iowa avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▼ 2.02% below avgNationally 2.77%
Details

Balance: $0 - $9,999

Rate History
1 change since Sep 24, 2026 · 0.80% → 0.65% ▼ 0.15 pts · high 0.80% / low 0.65%
0.15%0.73%1.30%Sep 24, 2026: 0.80% APYOct 12, 2026: 0.65% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20260.65%▼ from 0.80%
  • Sep 24, 20260.80%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
6 Month Regular & IRA Certificates
$500
0.65% ▼ 2.02% below Iowa avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▼ 2.02% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$500
0.60% ▼ 2.07% below Iowa avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 2.07% below avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
0.00%0.55%1.10%Sep 14, 2026: 0.50% APYOct 3, 2026: 0.60% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20260.60%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
6-month CD
$500
0.50% ▼ 2.17% below Iowa avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 2.17% below avgNationally 2.77%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.62% below Iowa avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 2.62% below avgNationally 2.77%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
6 Month Standard CD
$1,000
0.05% ▼ 2.62% below Iowa avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 2.62% below avgNationally 2.77%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
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
View
▼
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
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
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
View
▼
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%
3.72%4.27%4.82%Sep 20, 2026: 4.22% APYSep 24, 2026: 4.27% APYOct 3, 2026: 4.32% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.32%▲ from 4.27%
  • Sep 24, 20264.27%▲ from 4.22%
  • Sep 20, 20264.22%first recorded
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
View
▼
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
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
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
View
▼
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
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 14, 2026
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
View
▼
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%
3.61%4.17%4.72%Sep 20, 2026: 4.11% APYSep 24, 2026: 4.16% APYOct 3, 2026: 4.22% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.22%▲ from 4.16%
  • Sep 24, 20264.16%▲ from 4.11%
  • Sep 20, 20264.11%first recorded
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
View
▼
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
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Premier Certificates
$0
4.13% ▲ 1.46% above Iowa avg
View
▼
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%
3.57%4.10%4.63%Sep 14, 2026: 4.07% APYSep 18, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.09%3.87%4.65%Sep 14, 2026: 3.61% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%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
View
▼
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
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$100,000
4.05% ▲ 1.38% above Iowa avg
View
▼
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
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
4.04% ▲ 1.37% above Iowa avg
View
▼
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
3.54%4.04%4.54%Sep 30, 2026: 4.04% APYSep 30, 2026Oct 14, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
CDs - 6 Months
$0
4.04% ▲ 1.37% above Iowa avg
View
▼
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%
3.29%3.92%4.54%Sep 30, 2026: 3.79% APYOct 14, 2026: 4.04% APYSep 30, 2026Oct 14, 2026
  • 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
View
▼
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
3.54%4.04%4.54%Oct 7, 2026: 4.04% APYOct 7, 2026Oct 14, 2026
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Youth Certificates
$0
4.02% ▲ 1.35% above Iowa avg
View
▼
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%
3.21%3.86%4.52%Sep 14, 2026: 3.71% APYSep 18, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.00%3.76%4.53%Sep 14, 2026: 3.51% APYOct 9, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$1,000
3.95% ▲ 1.28% above Iowa avg
View
▼
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
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6-Month Certificate
$1,000
3.92% ▲ 1.25% above Iowa avg
View
▼
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%
2.88%3.66%4.44%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
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
View
▼
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%
3.18%3.79%4.39%Sep 14, 2026: 3.68% APYSep 24, 2026: 3.89% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.89%▲ from 3.68%
  • Sep 14, 20263.68%first recorded
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
View
▼
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%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYSep 24, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.29%3.79%4.29%Oct 6, 2026: 3.79% APYOct 6, 2026Oct 14, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
3.79% ▲ 1.12% above Iowa avg
View
▼
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
3.29%3.79%4.29%Sep 30, 2026: 3.79% APYSep 30, 2026Oct 14, 2026
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
View
▼
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
3.29%3.79%4.29%Oct 6, 2026: 3.79% APYOct 6, 2026Oct 14, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 6 MONTH CD
$100
3.79% ▲ 1.12% above Iowa avg
View
▼
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
3.29%3.79%4.29%Sep 30, 2026: 3.79% APYSep 30, 2026Oct 14, 2026
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
View
▼
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%
3.18%3.74%4.29%Sep 14, 2026: 3.68% APYSep 24, 2026: 3.79% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.16%3.71%4.26%Sep 14, 2026: 3.66% APYSep 18, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.24%3.74%4.24%Sep 21, 2026: 3.74% APYSep 21, 2026Oct 14, 2026

West Des Moines 12 Month CD Rates

Iowa 12 Month CD Average2.85% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
6-12 Month CD Special
$0
4.35% ▲ 1.50% above Iowa avg
View
▼
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%
3.65%4.25%4.85%Oct 3, 2026: 4.15% APYOct 8, 2026: 4.35% APYOct 3, 2026Oct 14, 2026
  • Oct 8, 20264.35%▲ from 4.15%
  • Oct 3, 20264.15%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
10-month special, with rollover into 12-month at time of maturity
$0
4.25% ▲ 1.40% above Iowa avg
View
▼
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%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD Special
$0
4.20% ▲ 1.36% above Iowa avg
View
▼
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%
3.55%4.13%4.70%Sep 24, 2026: 4.05% APYOct 8, 2026: 4.20% APYSep 24, 2026Oct 14, 2026
  • Oct 8, 20264.20%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15% ▲ 1.31% above Iowa avg
View
▼
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%
2.17%3.66%5.14%Sep 14, 2026: 3.16% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 3.16%
  • Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 12-month IRA
$0
4.10% ▲ 1.25% above Iowa avg
View
▼
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
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
12 Month Jumbo Certificates
$0
4.05% ▲ 1.20% above Iowa avg
View
▼
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%
2.05%3.55%5.05%Sep 22, 2026: 3.05% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.05%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Month Certificates of Deposit
$15,000
4.00% ▲ 1.15% above Iowa avg
View
▼
Rate3.94%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details

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%
3.30%3.90%4.50%Sep 19, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • 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%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 12 Months
$500
4.00% ▲ 1.15% above Iowa avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details

Interest Paid Quarterly; Auto Renew Yes

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
12 Month Certificates
$0
4.00% ▲ 1.15% above Iowa avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
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 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 18, 2026: 3.00% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Month Certificates of Deposit
$1,000
3.85% ▲ 1.01% above Iowa avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.01% above avgNationally 2.99%
Details

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%
3.15%3.75%4.35%Sep 19, 2026: 3.65% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
6-12 Month CD Special
$0
3.75% ▲ 0.90% above Iowa avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 3, 2026: 3.75% APYOct 3, 2026Oct 14, 2026
Premier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
1301 Grand Ave, West Des Moines, IA 50265
12 Month Kirby Kids CD
$100
3.70% ▲ 0.86% above Iowa avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 0.86% above avgNationally 2.99%
Details

12-month add-on CD; ongoing deposits allowed during the term; monthly savings updates; fixed-term savings structure; for children 12 and under

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
12 Month Certificate
$1,500
3.58% ▲ 0.73% above Iowa avg
View
▼
Rate3.55%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 0.73% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.58% APY · checked 8 times
3.08%3.58%4.08%Sep 7, 2026: 3.58% APYSep 7, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
12 Month Business Share Certificates
$0
3.20% ▲ 0.36% above Iowa avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 0.36% above avgNationally 2.99%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
12 Month Share Certificates
$1,000
3.20% ▲ 0.36% above Iowa avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 0.36% above avgNationally 2.99%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
3.12% ▲ 0.27% above Iowa avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 0.27% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 2.92% → 3.12% ▲ 0.20 pts · high 3.12% / low 2.92%
2.42%3.02%3.62%Sep 14, 2026: 2.92% APYOct 7, 2026: 3.12% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.12%▲ from 2.92%
  • Sep 14, 20262.92%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
2.82% ▼ 0.03% below Iowa avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 0.03% below avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 2.62% → 2.82% ▲ 0.20 pts · high 2.82% / low 2.62%
2.12%2.72%3.32%Sep 14, 2026: 2.62% APYOct 3, 2026: 2.82% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.82%▲ from 2.62%
  • Sep 14, 20262.62%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
2.72% ▼ 0.13% below Iowa avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 0.13% below avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.50% → 2.72% ▲ 1.22 pts · high 2.72% / low 1.50%
0.28%2.11%3.94%Sep 14, 2026: 1.50% APYOct 3, 2026: 2.72% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.72%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
1.61% ▼ 1.24% below Iowa avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 1.24% below avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.61% ▲ 0.11 pts · high 1.61% / low 1.50%
1.00%1.56%2.11%Sep 14, 2026: 1.50% APYOct 3, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.61%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
1.10% ▼ 1.75% below Iowa avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 1.75% below avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00%
0.50%1.05%1.60%Sep 14, 2026: 1.00% APYOct 3, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.10%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Certificates of Deposit (CDs) - 12 Month
$1,000
1.00% ▼ 1.85% below Iowa avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▼ 1.85% below avgNationally 2.99%
Details

Balance: $1,000.00 and above

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
12 Month CD
$0
0.90% ▼ 1.95% below Iowa avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▼ 1.95% below avgNationally 2.99%
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 24, 2026: 0.90% APYSep 24, 2026Oct 14, 2026
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
12 Month Regular & IRA Certificates
$500
0.86% ▼ 1.99% below Iowa avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▼ 1.99% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 0.86% APY · checked 6 times
0.36%0.86%1.36%Sep 14, 2026: 0.86% APYSep 14, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
12-month CD
$500
0.75% ▼ 2.10% below Iowa avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
12 Month CD
$0
0.75% ▼ 2.10% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details

Balance: $0 - $9,999

Rate History
1 change since Sep 24, 2026 · 0.90% → 0.75% ▼ 0.15 pts · high 0.90% / low 0.75%
0.25%0.83%1.40%Sep 24, 2026: 0.90% APYOct 12, 2026: 0.75% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20260.75%▼ from 0.90%
  • Sep 24, 20260.90%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.10% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
12 Month Standard CD
$1,000
0.75% ▼ 2.10% below Iowa avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
12 Month CD
$2,500
0.20% ▼ 2.65% below Iowa avg
View
▼
Rate0.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 2.65% below avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 14, 2026
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
CDs - Certificate of Deposit < 12 Months
$2,500
0.20% ▼ 2.65% below Iowa avg
View
▼
Rate0.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 2.65% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
3.75%4.33%4.90%Sep 18, 2026: 4.25% APYOct 9, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20264.40%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
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
View
▼
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
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
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
View
▼
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%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 9, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.66%4.22%4.77%Sep 20, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 3, 2026: 4.27% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.27%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 20, 20264.16%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
View
▼
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%
3.19%3.97%4.75%Sep 14, 2026: 3.71% APYOct 9, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.19%3.97%4.75%Sep 14, 2026: 3.71% APYOct 9, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 14, 2026
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
View
▼
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
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 14, 2026
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
View
▼
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%
3.56%4.11%4.66%Sep 20, 2026: 4.06% APYSep 24, 2026: 4.11% APYOct 3, 2026: 4.16% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.16%▲ from 4.11%
  • Sep 24, 20264.11%▲ from 4.06%
  • Sep 20, 20264.06%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12-Month Certificate
$1,000
4.13% ▲ 1.28% above Iowa avg
View
▼
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%
3.09%3.87%4.65%Sep 14, 2026: 3.61% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 14, 2026
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
View
▼
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%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 3, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Premier Certificates
$0
4.07% ▲ 1.23% above Iowa avg
View
▼
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%
3.52%4.05%4.57%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20264.07%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Sloan State Bank
Institution Rating:
C3.7 ★Texas Ratio: 21.53%
12 Month Certificate Special
$20,000
4.06% ▲ 1.21% above Iowa avg
View
▼
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%
2.52%3.68%4.83%Sep 19, 2026: 3.29% APYOct 11, 2026: 4.06% APYSep 19, 2026Oct 14, 2026
  • 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
View
▼
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
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 14, 2026
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Incredible Certificate
$0
4.06% ▲ 1.21% above Iowa avg
View
▼
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
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Certificates: minimum - 12 month
$0
4.06% ▲ 1.21% above Iowa avg
View
▼
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
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
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
View
▼
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%
3.30%3.93%4.55%Sep 14, 2026: 3.80% APYOct 3, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Youth Certificates
$0
4.02% ▲ 1.17% above Iowa avg
View
▼
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%
3.06%3.79%4.52%Sep 14, 2026: 3.56% APYSep 18, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.00%3.76%4.53%Sep 14, 2026: 3.51% APYOct 9, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.02%▲ from 3.51%
  • Sep 14, 20263.51%first recorded

West Des Moines 18 Month CD Rates

Iowa 18 Month CD Average2.84% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD Special
$0
4.25% ▲ 1.41% above Iowa avg
View
▼
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%
3.70%4.23%4.75%Sep 24, 2026: 4.20% APYOct 8, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 8, 20264.25%▲ from 4.20%
  • Sep 24, 20264.20%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
Certificate Specials - 18 Months
$0
4.08% ▲ 1.24% above Iowa avg
View
▼
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%
2.84%3.77%4.70%Sep 14, 2026: 3.46% APYOct 9, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.08%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$15,000
4.00% ▲ 1.16% above Iowa avg
View
▼
Rate3.94%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details

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%
3.30%3.90%4.50%Sep 19, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • 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%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 18 Months
$500
4.00% ▲ 1.16% above Iowa avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details

Interest Paid Quarterly; Auto Renew Yes

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$1,000
3.85% ▲ 1.01% above Iowa avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.01% above avgNationally 2.88%
Details

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%
3.15%3.75%4.35%Sep 19, 2026: 3.65% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
18 Month Certificate
$1,500
3.43% ▲ 0.59% above Iowa avg
View
▼
Rate3.40%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.43% APY · checked 8 times
2.93%3.43%3.93%Sep 7, 2026: 3.43% APYSep 7, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 18-month
$0
3.40% ▲ 0.56% above Iowa avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.56% above avgNationally 2.88%
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.16% → 3.40% ▲ 0.24 pts · high 3.40% / low 3.16%
2.66%3.28%3.90%Sep 14, 2026: 3.16% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.40%▲ from 3.16%
  • Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 18-month IRA
$0
3.35% ▲ 0.51% above Iowa avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.51% above avgNationally 2.88%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
18 Month Jumbo Certificates
$0
3.30% ▲ 0.46% above Iowa avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.46% above avgNationally 2.88%
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% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 22, 2026: 3.05% APYOct 13, 2026: 3.30% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20263.30%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
18 Month Business Share Certificates
$0
3.25% ▲ 0.41% above Iowa avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.41% above avgNationally 2.88%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
18 Month Share Certificates
$1,000
3.25% ▲ 0.41% above Iowa avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.41% above avgNationally 2.88%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
18 Month Certificates
$0
3.25% ▲ 0.41% above Iowa avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.41% above avgNationally 2.88%
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 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYOct 13, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$50,000
3.22% ▲ 0.38% above Iowa avg
View
▼
Rate3.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.38% above avgNationally 2.88%
Details

Balance: 50,000+

Rate History
1 change since Sep 14, 2026 · 2.82% → 3.22% ▲ 0.40 pts · high 3.22% / low 2.82%
2.32%3.02%3.72%Sep 14, 2026: 2.82% APYOct 3, 2026: 3.22% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.22%▲ from 2.82%
  • Sep 14, 20262.82%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$25,000
2.92% ▲ 0.08% above Iowa avg
View
▼
Rate2.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.08% above avgNationally 2.88%
Details

Balance: 25,000+

Rate History
1 change since Sep 14, 2026 · 2.52% → 2.92% ▲ 0.40 pts · high 2.92% / low 2.52%
2.02%2.72%3.42%Sep 14, 2026: 2.52% APYOct 3, 2026: 2.92% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.92%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$2,500
2.82% ▼ 0.02% below Iowa avg
View
▼
Rate2.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 0.02% below avgNationally 2.88%
Details

Balance: 2,500 (GO)

Rate History
2 changes since Sep 14, 2026 · 2.01% → 2.82% ▲ 0.81 pts · high 2.82% / low 1.81%
0.80%2.32%3.83%Sep 14, 2026: 2.01% APYOct 3, 2026: 1.81% APYOct 7, 2026: 2.82% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20262.82%▲ from 1.81%
  • Oct 3, 20261.81%▼ from 2.01%
  • Sep 14, 20262.01%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$2,500
1.81% ▼ 1.03% below Iowa avg
View
▼
Rate1.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 1.03% below avgNationally 2.88%
Details

Balance: 2,500+

Rate History
1 change since Sep 14, 2026 · 2.01% → 1.81% ▼ 0.20 pts · high 2.01% / low 1.81%
1.31%1.91%2.51%Sep 14, 2026: 2.01% APYOct 3, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.81%▼ from 2.01%
  • Sep 14, 20262.01%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$500
1.21% ▼ 1.63% below Iowa avg
View
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 1.63% below avgNationally 2.88%
Details

Balance: 500+

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.21% ▲ 0.21 pts · high 1.21% / low 1.00%
0.50%1.11%1.71%Sep 14, 2026: 1.00% APYOct 3, 2026: 1.21% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.21%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
18 Month CD
$0
1.00% ▼ 1.84% below Iowa avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▼ 1.84% below avgNationally 2.88%
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
18-month CD
$500
0.95% ▼ 1.89% below Iowa avg
View
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 1.89% below avgNationally 2.88%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 3 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
18 Month CD
$0
0.80% ▼ 2.04% below Iowa avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▼ 2.04% below avgNationally 2.88%
Details

Balance: $0 - $9,999

Rate History
1 change since Sep 24, 2026 · 1.00% → 0.80% ▼ 0.20 pts · high 1.00% / low 0.80%
0.30%0.90%1.50%Sep 24, 2026: 1.00% APYOct 12, 2026: 0.80% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20260.80%▼ from 1.00%
  • Sep 24, 20261.00%first recorded
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Certificates of Deposit (CDs) - 18 Month
$1,000
0.75% ▼ 2.09% below Iowa avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▼ 2.09% below avgNationally 2.88%
Details

Balance: $1,000.00 and above

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.09% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▼ 2.09% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
18 Month Standard CD
$1,000
0.75% ▼ 2.09% below Iowa avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▼ 2.09% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40% ▲ 1.56% above Iowa avg
View
▼
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%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
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
View
▼
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
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
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
View
▼
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%
3.30%3.98%4.65%Sep 14, 2026: 3.80% APYOct 3, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.65%4.15%4.65%Oct 3, 2026: 4.15% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 14, 2026
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
View
▼
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
3.64%4.14%4.64%Sep 24, 2026: 4.14% APYSep 24, 2026Oct 14, 2026
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
View
▼
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
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Oct 14, 2026
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
View
▼
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
3.55%4.05%4.55%Oct 3, 2026: 4.05% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 14, 2026
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
View
▼
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%
3.08%3.81%4.54%Sep 14, 2026: 3.58% APYOct 3, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.04%▲ from 3.58%
  • Sep 14, 20263.58%first recorded
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
18 Month CD Special
$1,000
4.00% ▲ 1.16% above Iowa avg
View
▼
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
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
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
View
▼
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
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
18 Month Certificate
$10,000
3.85% ▲ 1.01% above Iowa avg
View
▼
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
3.35%3.85%4.35%Oct 3, 2026: 3.85% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificate
$0
3.80% ▲ 0.96% above Iowa avg
View
▼
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
3.30%3.80%4.30%Sep 22, 2026: 3.80% APYSep 22, 2026Oct 14, 2026
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Incredible Certificate
$0
3.80% ▲ 0.96% above Iowa avg
View
▼
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
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Certificates: minimum - 18 month
$0
3.80% ▲ 0.96% above Iowa avg
View
▼
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
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
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
View
▼
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
3.26%3.76%4.26%Sep 24, 2026: 3.76% APYSep 24, 2026Oct 14, 2026
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 Month Special Certificates
$0
3.76% ▲ 0.92% above Iowa avg
View
▼
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%
3.21%3.74%4.26%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
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
View
▼
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
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
IRA 18 MONTH CD
$100
3.75% ▲ 0.91% above Iowa avg
View
▼
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
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 14, 2026
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
View
▼
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%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 3, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded

West Des Moines 24 Month CD Rates

Iowa 24 Month CD Average2.73% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
20-month special, with rollover into 24-month at time of maturity
$0
4.50% ▲ 1.77% above Iowa avg
View
▼
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%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
IntraFi Network CD 2 Year
$100,000
4.47% ▲ 1.74% above Iowa avg
View
▼
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
3.97%4.47%4.97%Oct 12, 2026: 4.47% APYOct 12, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$15,000
4.00% ▲ 1.27% above Iowa avg
View
▼
Rate3.94%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details

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%
3.30%3.90%4.50%Sep 19, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • 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%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 24 Months
$500
4.00% ▲ 1.27% above Iowa avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details

Interest Paid Quarterly; Auto Renew Yes

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$1,000
3.85% ▲ 1.12% above Iowa avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.12% above avgNationally 2.88%
Details

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%
3.15%3.75%4.35%Sep 19, 2026: 3.65% APYOct 7, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 24-month
$0
3.65% ▲ 0.92% above Iowa avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.92% above avgNationally 2.88%
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.16% → 3.65% ▲ 0.49 pts · high 3.65% / low 3.16%
2.66%3.41%4.15%Sep 14, 2026: 3.16% APYOct 5, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.65%▲ from 3.16%
  • Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 24-month IRA
$0
3.60% ▲ 0.87% above Iowa avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.87% above avgNationally 2.88%
Details

Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
24 Month Jumbo Certificates
$0
3.55% ▲ 0.82% above Iowa avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.82% above avgNationally 2.88%
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% → 3.55% ▲ 0.50 pts · high 3.55% / low 3.05%
2.55%3.30%4.05%Sep 22, 2026: 3.05% APYOct 13, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20263.55%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
24 Month Certificates
$0
3.50% ▲ 0.77% above Iowa avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.77% above avgNationally 2.88%
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 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYOct 13, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
24 Month Certificate
$1,500
3.33% ▲ 0.60% above Iowa avg
View
▼
Rate3.30%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.33% APY · checked 8 times
2.83%3.33%3.83%Sep 7, 2026: 3.33% APYSep 7, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$50,000
3.32% ▲ 0.59% above Iowa avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.92% → 3.32% ▲ 0.40 pts · high 3.32% / low 2.92%
2.42%3.12%3.82%Sep 14, 2026: 2.92% APYOct 3, 2026: 3.32% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.32%▲ from 2.92%
  • Sep 14, 20262.92%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
24 Month Business Share Certificates
$0
3.29% ▲ 0.56% above Iowa avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.56% above avgNationally 2.88%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
24 Month Share Certificates
$1,000
3.29% ▲ 0.56% above Iowa avg
View
▼
Rate3.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.56% above avgNationally 2.88%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$25,000
3.02% ▲ 0.29% above Iowa avg
View
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.67% → 3.02% ▲ 0.35 pts · high 3.02% / low 2.67%
2.17%2.84%3.52%Sep 14, 2026: 2.67% APYOct 3, 2026: 3.02% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.02%▲ from 2.67%
  • Sep 14, 20262.67%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$2,500
2.92% ▲ 0.19% above Iowa avg
View
▼
Rate2.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.19% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 2.27% → 2.92% ▲ 0.65 pts · high 2.92% / low 2.27%
1.62%2.59%3.57%Sep 14, 2026: 2.27% APYSep 24, 2026: 2.62% APYOct 3, 2026: 2.92% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.92%▲ from 2.62%
  • Sep 24, 20262.62%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$2,500
1.91% ▼ 0.82% below Iowa avg
View
▼
Rate1.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 0.82% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 1.91% ▼ 0.36 pts · high 2.27% / low 1.91%
1.41%2.09%2.77%Sep 14, 2026: 2.27% APYOct 3, 2026: 1.91% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.91%▼ from 2.27%
  • Sep 14, 20262.27%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
24 Month Regular & IRA Certificates
$500
1.52% ▼ 1.21% below Iowa avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▼ 1.21% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.52% APY · checked 6 times
1.02%1.52%2.02%Sep 14, 2026: 1.52% APYSep 14, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$500
1.31% ▼ 1.42% below Iowa avg
View
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 1.42% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 1.10% → 1.31% ▲ 0.21 pts · high 1.31% / low 1.10%
0.60%1.21%1.81%Sep 14, 2026: 1.10% APYOct 3, 2026: 1.31% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.31%▲ from 1.10%
  • Sep 14, 20261.10%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
24 Month CD
$0
1.10% ▼ 1.63% below Iowa avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▼ 1.63% below avgNationally 2.88%
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 1.10% APY · checked 4 times
0.60%1.10%1.60%Sep 24, 2026: 1.10% APYSep 24, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
24-month CD
$500
1.00% ▼ 1.73% below Iowa avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 1.73% below avgNationally 2.88%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
24 Month CD
$0
0.85% ▼ 1.88% below Iowa avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▼ 1.88% below avgNationally 2.88%
Details

Balance: $0 - $9,999

Rate History
1 change since Sep 24, 2026 · 1.10% → 0.85% ▼ 0.25 pts · high 1.10% / low 0.85%
0.35%0.98%1.60%Sep 24, 2026: 1.10% APYOct 12, 2026: 0.85% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20260.85%▼ from 1.10%
  • Sep 24, 20261.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.98% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.98% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
24 Month Standard CD
$1,000
0.75% ▼ 1.98% below Iowa avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.98% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
2 Year IRA+ Certificate of Deposit
$5,000
0.51% ▼ 2.22% below Iowa avg
View
▼
Rate0.51%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 2.22% below avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 0.51% APY
0.01%0.51%1.01%Oct 11, 2026: 0.51% APYOct 11, 2026Oct 14, 2026
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Certificates of Deposit (CDs) - 24 Month
$1,000
0.50% ▼ 2.23% below Iowa avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▼ 2.23% below avgNationally 2.88%
Details

Balance: $1,000.00 and above

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
24 Month CD
$2,500
0.35% ▼ 2.38% below Iowa avg
View
▼
Rate0.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 2.38% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 27, 2026: 0.35% APYSep 27, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month CD
$0
4.65% ▲ 1.92% above Iowa avg
View
▼
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%
3.29%4.31%5.33%Sep 14, 2026: 3.97% APYOct 9, 2026: 4.65% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.29%4.31%5.33%Sep 14, 2026: 3.97% APYOct 9, 2026: 4.65% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.29%4.31%5.33%Sep 14, 2026: 3.97% APYOct 9, 2026: 4.65% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.55% ▲ 1.82% above Iowa avg
View
▼
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%
3.19%4.21%5.23%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.05%4.55%5.05%Oct 9, 2026: 4.55% APYOct 9, 2026Oct 14, 2026
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
View
▼
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
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.44% ▲ 1.71% above Iowa avg
View
▼
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%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.94%4.44%4.94%Oct 9, 2026: 4.44% APYOct 9, 2026Oct 14, 2026
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
View
▼
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%
3.80%4.32%4.85%Sep 18, 2026: 4.30% APYOct 9, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20264.35%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
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
View
▼
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%
3.55%4.18%4.80%Sep 14, 2026: 4.05% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.66%4.22%4.77%Sep 20, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 3, 2026: 4.27% APYSep 20, 2026Oct 14, 2026
  • 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
View
▼
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
3.75%4.25%4.75%Sep 20, 2026: 4.25% APYSep 20, 2026Oct 14, 2026
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
View
▼
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%
3.70%4.23%4.75%Sep 18, 2026: 4.20% APYOct 9, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
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
View
▼
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%
3.56%4.11%4.66%Sep 20, 2026: 4.06% APYSep 24, 2026: 4.11% APYOct 3, 2026: 4.16% APYSep 20, 2026Oct 14, 2026
  • 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
View
▼
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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 3, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.65%4.15%4.65%Sep 20, 2026: 4.15% APYSep 20, 2026Oct 14, 2026
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 month CD Special
$0
4.05% ▲ 1.32% above Iowa avg
View
▼
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%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.45%4.00%4.55%Sep 20, 2026: 3.95% APYOct 3, 2026: 4.05% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.05%▲ from 3.95%
  • Sep 20, 20263.95%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
View
▼
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
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
3.13%3.84%4.54%Sep 14, 2026: 3.63% APYOct 3, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.04%▲ from 3.63%
  • Sep 14, 20263.63%first recorded

West Des Moines 36 Month CD Rates

Iowa 36 Month CD Average2.59% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
IntraFi Network CD 3 Year
$100,000
4.50% ▲ 1.91% above Iowa avg
View
▼
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
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91% ▲ 1.32% above Iowa avg
View
▼
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%
2.89%3.66%4.42%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.91% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.91%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 36-month IRA
$0
3.85% ▲ 1.26% above Iowa avg
View
▼
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
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$15,000
3.80% ▲ 1.21% above Iowa avg
View
▼
Rate3.75%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details

Interest Paid Quarterly; Automatically Renewable Yes

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 36 Months
$500
3.80% ▲ 1.21% above Iowa avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details

Interest Paid Quarterly; Auto Renew Yes

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
36 Month Jumbo Certificates
$0
3.80% ▲ 1.21% above Iowa avg
View
▼
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%
2.80%3.55%4.30%Sep 22, 2026: 3.30% APYOct 13, 2026: 3.80% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20263.80%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
36 Month Certificates
$0
3.75% ▲ 1.16% above Iowa avg
View
▼
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%
2.75%3.50%4.25%Sep 18, 2026: 3.25% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.75%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$1,000
3.65% ▲ 1.06% above Iowa avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.06% above avgNationally 2.81%
Details

Interest Paid Quarterly; Automatically Renewable Yes

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.63% ▲ 1.04% above Iowa avg
View
▼
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%
1.81%3.18%4.54%Sep 24, 2026: 2.72% APYOct 3, 2026: 3.63% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.63%▲ from 2.72%
  • Sep 24, 20262.72%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.43% ▲ 0.84% above Iowa avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.84% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.02% → 3.43% ▲ 0.41 pts · high 3.43% / low 3.02%
2.52%3.23%3.93%Sep 14, 2026: 3.02% APYOct 3, 2026: 3.43% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.43%▲ from 3.02%
  • Sep 14, 20263.02%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
36 Month Business Share Certificates
$0
3.31% ▲ 0.72% above Iowa avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 0.72% above avgNationally 2.81%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.31% APY · checked 6 times
2.81%3.31%3.81%Sep 14, 2026: 3.31% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
36 Month Share Certificates
$1,000
3.31% ▲ 0.72% above Iowa avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 0.72% above avgNationally 2.81%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.31% APY · checked 4 times
2.81%3.31%3.81%Sep 18, 2026: 3.31% APYSep 18, 2026Oct 14, 2026
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
36 Month Certificate
$1,500
3.23% ▲ 0.64% above Iowa avg
View
▼
Rate3.20%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.23% APY · checked 8 times
2.73%3.23%3.73%Sep 7, 2026: 3.23% APYSep 7, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.12% ▲ 0.53% above Iowa avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.53% above avgNationally 2.81%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 2.82% → 3.12% ▲ 0.30 pts · high 3.12% / low 2.82%
2.32%2.97%3.62%Sep 14, 2026: 2.82% APYOct 3, 2026: 3.12% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.12%▲ from 2.82%
  • Sep 14, 20262.82%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.02% ▲ 0.43% above Iowa avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.43% above avgNationally 2.81%
Details

Balance: $2,500 (GO)

Rate History
2 changes since Sep 14, 2026 · 2.52% → 3.02% ▲ 0.50 pts · high 3.02% / low 2.52%
2.02%2.77%3.52%Sep 14, 2026: 2.52% APYSep 24, 2026: 2.72% APYOct 3, 2026: 3.02% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.02%▲ from 2.72%
  • Sep 24, 20262.72%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
36 Month Regular & IRA Certificates
$500
2.02% ▼ 0.57% below Iowa avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▼ 0.57% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
2.01% ▼ 0.58% below Iowa avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 0.58% below avgNationally 2.81%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 2.52% → 2.01% ▼ 0.51 pts · high 2.52% / low 2.01%
1.50%2.26%3.03%Sep 14, 2026: 2.52% APYOct 3, 2026: 2.01% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.01%▼ from 2.52%
  • Sep 14, 20262.52%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
1.41% ▼ 1.18% below Iowa avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 1.18% below avgNationally 2.81%
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 1.20% → 1.41% ▲ 0.21 pts · high 1.41% / low 1.20%
0.70%1.31%1.91%Sep 14, 2026: 1.20% APYOct 3, 2026: 1.41% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.41%▲ from 1.20%
  • Sep 14, 20261.20%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
36 Month CD
$0
1.30% ▼ 1.29% below Iowa avg
View
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▼ 1.29% below avgNationally 2.81%
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 1.30% APY · checked 4 times
0.80%1.30%1.80%Sep 24, 2026: 1.30% APYSep 24, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
36-month CD
$500
1.10% ▼ 1.49% below Iowa avg
View
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 1.49% below avgNationally 2.81%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
36 Month CD
$0
1.00% ▼ 1.59% below Iowa avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▼ 1.59% below avgNationally 2.81%
Details

Balance: $0 - $9,999

Rate History
1 change since Sep 24, 2026 · 1.30% → 1.00% ▼ 0.30 pts · high 1.30% / low 1.00%
0.50%1.15%1.80%Sep 24, 2026: 1.30% APYOct 12, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20261.00%▼ from 1.30%
  • Sep 24, 20261.30%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.84% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.84% below avgNationally 2.81%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
36 Month Standard CD
$1,000
0.75% ▼ 1.84% below Iowa avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.84% below avgNationally 2.81%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
36 Month CD
$2,500
0.40% ▼ 2.19% below Iowa avg
View
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 2.19% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.70% ▲ 2.11% above Iowa avg
View
▼
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%
3.34%4.36%5.38%Sep 14, 2026: 4.02% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.20%4.70%5.20%Oct 9, 2026: 4.70% APYOct 9, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.60% ▲ 2.01% above Iowa avg
View
▼
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%
3.24%4.26%5.28%Sep 14, 2026: 3.92% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.10%4.60%5.10%Oct 9, 2026: 4.60% APYOct 9, 2026Oct 14, 2026
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
View
▼
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
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.49% ▲ 1.90% above Iowa avg
View
▼
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%
3.15%4.15%5.16%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.99%4.49%4.99%Oct 9, 2026: 4.49% APYOct 9, 2026Oct 14, 2026
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
View
▼
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
3.85%4.35%4.85%Oct 3, 2026: 4.35% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.80%4.30%4.80%Oct 3, 2026: 4.30% APYOct 3, 2026Oct 14, 2026
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
View
▼
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%
3.66%4.22%4.77%Sep 20, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 3, 2026: 4.27% APYSep 20, 2026Oct 14, 2026
  • 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
View
▼
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
3.75%4.25%4.75%Oct 3, 2026: 4.25% APYOct 3, 2026Oct 14, 2026
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
View
▼
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%
3.50%4.11%4.71%Oct 7, 2026: 4.00% APYOct 11, 2026: 4.21% APYOct 7, 2026Oct 14, 2026
  • 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
View
▼
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%
3.56%4.11%4.66%Sep 20, 2026: 4.06% APYSep 24, 2026: 4.11% APYOct 3, 2026: 4.16% APYSep 20, 2026Oct 14, 2026
  • 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
View
▼
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
3.65%4.15%4.65%Oct 3, 2026: 4.15% APYOct 3, 2026Oct 14, 2026
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 month CD Special One Way
$0
4.10% ▲ 1.51% above Iowa avg
View
▼
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%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
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
View
▼
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%
3.13%3.84%4.54%Sep 14, 2026: 3.63% APYOct 3, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 1.41% above Iowa avg
View
▼
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%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%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
View
▼
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%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.39%3.89%4.39%Sep 24, 2026: 3.89% APYSep 24, 2026Oct 14, 2026
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
View
▼
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
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 14, 2026
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
View
▼
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%
3.15%3.73%4.31%Sep 14, 2026: 3.65% APYSep 24, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.81%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 Month Premier Certificates
$0
3.76% ▲ 1.17% above Iowa avg
View
▼
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%
3.16%3.71%4.26%Sep 14, 2026: 3.66% APYSep 18, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.25%3.75%4.25%Oct 3, 2026: 3.75% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 14, 2026
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
View
▼
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%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded

West Des Moines 48 Month CD Rates

Iowa 48 Month CD Average2.65% APYNational 2.80%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15% ▲ 1.50% above Iowa avg
View
▼
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%
2.65%3.78%4.90%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 48-month IRA
$0
4.10% ▲ 1.45% above Iowa avg
View
▼
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
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
48 Month Jumbo Certificates
$0
4.05% ▲ 1.40% above Iowa avg
View
▼
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%
2.55%3.68%4.80%Sep 22, 2026: 3.30% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.05%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$15,000
3.80% ▲ 1.15% above Iowa avg
View
▼
Rate3.75%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details

Interest Paid Quarterly; Automatically Renewable Yes

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 48 Months
$500
3.80% ▲ 1.15% above Iowa avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details

Interest Paid Quarterly; Auto Renew Yes

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$1,000
3.65% ▲ 1.00% above Iowa avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.00% above avgNationally 2.80%
Details

Interest Paid Quarterly; Automatically Renewable Yes

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
3.53% ▲ 0.88% above Iowa avg
View
▼
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%
2.62%3.32%4.03%Sep 14, 2026: 3.12% APYOct 3, 2026: 3.53% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.53%▲ from 3.12%
  • Sep 14, 20263.12%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
48 Month Business Share Certificates
$0
3.33% ▲ 0.68% above Iowa avg
View
▼
Rate3.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.68% above avgNationally 2.80%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 6 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
48 Month Share Certificates
$1,000
3.33% ▲ 0.68% above Iowa avg
View
▼
Rate3.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.68% above avgNationally 2.80%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.33% APY · checked 4 times
2.83%3.33%3.83%Sep 18, 2026: 3.33% APYSep 18, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
3.22% ▲ 0.57% above Iowa avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.57% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.92% → 3.22% ▲ 0.30 pts · high 3.22% / low 2.92%
2.42%3.07%3.72%Sep 14, 2026: 2.92% APYOct 3, 2026: 3.22% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.22%▲ from 2.92%
  • Sep 14, 20262.92%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
48 Month Certificate
$1,500
3.12% ▲ 0.47% above Iowa avg
View
▼
Rate3.10%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.47% above avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 3.12% APY · checked 8 times
2.62%3.12%3.62%Sep 7, 2026: 3.12% APYSep 7, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
3.12% ▲ 0.47% above Iowa avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.47% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 2.77% → 3.12% ▲ 0.35 pts · high 3.12% / low 2.77%
2.27%2.95%3.62%Sep 14, 2026: 2.77% APYSep 24, 2026: 2.82% APYOct 3, 2026: 3.12% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.12%▲ from 2.82%
  • Sep 24, 20262.82%▲ from 2.77%
  • Sep 14, 20262.77%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
2.11% ▼ 0.54% below Iowa avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▼ 0.54% below avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.77% → 2.11% ▼ 0.66 pts · high 2.77% / low 2.11%
1.45%2.44%3.43%Sep 14, 2026: 2.77% APYOct 3, 2026: 2.11% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.11%▼ from 2.77%
  • Sep 14, 20262.77%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
48 Month Regular & IRA Certificates
$500
2.07% ▼ 0.58% below Iowa avg
View
▼
Rate2.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▼ 0.58% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 6 times
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Oct 14, 2026
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
48 Month Variable Certificate
$0
2.07% ▼ 0.58% below Iowa avg
View
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▼ 0.58% below avgNationally 2.80%
Details

Variable dividend rate; Minimum $500 balance required

Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 6 times
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
1.51% ▼ 1.14% below Iowa avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▼ 1.14% below avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 1.30% → 1.51% ▲ 0.21 pts · high 1.51% / low 1.30%
0.80%1.40%2.01%Sep 14, 2026: 1.30% APYOct 3, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.51%▲ from 1.30%
  • Sep 14, 20261.30%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
48 Month CD
$0
1.40% ▼ 1.25% below Iowa avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▼ 1.25% below avgNationally 2.80%
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 1.40% APY · checked 4 times
0.90%1.40%1.90%Sep 24, 2026: 1.40% APYSep 24, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
48-month CD
$500
1.20% ▼ 1.45% below Iowa avg
View
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▼ 1.45% below avgNationally 2.80%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 14, 2026
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
48 Month CD
$0
1.20% ▼ 1.45% below Iowa avg
View
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▼ 1.45% below avgNationally 2.80%
Details

Balance: $0 - $9,999

Rate History
1 change since Sep 24, 2026 · 1.40% → 1.20% ▼ 0.20 pts · high 1.40% / low 1.20%
0.70%1.30%1.90%Sep 24, 2026: 1.40% APYOct 12, 2026: 1.20% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20261.20%▼ from 1.40%
  • Sep 24, 20261.40%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.90% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.90% below avgNationally 2.80%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
48 Month Standard CD
$1,000
0.75% ▼ 1.90% below Iowa avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.90% below avgNationally 2.80%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.75% ▲ 2.10% above Iowa avg
View
▼
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%
3.41%4.42%5.42%Sep 14, 2026: 4.08% APYOct 9, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.25%4.75%5.25%Oct 9, 2026: 4.75% APYOct 9, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.65% ▲ 2.00% above Iowa avg
View
▼
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%
3.29%4.31%5.33%Sep 14, 2026: 3.97% APYOct 9, 2026: 4.65% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.55% ▲ 1.90% above Iowa avg
View
▼
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%
3.19%4.21%5.23%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.05%4.55%5.05%Oct 9, 2026: 4.55% APYOct 9, 2026Oct 14, 2026
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
View
▼
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
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
3.66%4.22%4.77%Sep 20, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 3, 2026: 4.27% APYSep 20, 2026Oct 14, 2026
  • 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
View
▼
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
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
3.56%4.11%4.66%Sep 20, 2026: 4.06% APYSep 24, 2026: 4.11% APYOct 3, 2026: 4.16% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.16%▲ from 4.11%
  • Sep 24, 20264.11%▲ from 4.06%
  • Sep 20, 20264.06%first recorded
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
View
▼
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
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.35%3.85%4.35%Sep 28, 2026: 3.85% APYSep 28, 2026Oct 14, 2026
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
View
▼
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%
3.14%3.72%4.30%Sep 14, 2026: 3.64% APYSep 24, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 14, 2026
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
View
▼
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
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 14, 2026
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
View
▼
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%
2.85%3.55%4.25%Oct 7, 2026: 3.35% APYOct 11, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
  • 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
View
▼
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%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 20, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
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
View
▼
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%
1.80%3.23%4.65%Sep 14, 2026: 2.75% APYOct 3, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.11%3.64%4.16%Sep 14, 2026: 3.61% APYSep 18, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.66%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-Month Term
$0
3.55% ▲ 0.90% above Iowa avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details

Balance: $50,000 and above

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
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
View
▼
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
3.03%3.53%4.03%Sep 24, 2026: 3.53% APYSep 24, 2026Oct 14, 2026
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
48 Month 1 Step Up
$10,000
3.50% ▲ 0.85% above Iowa avg
View
▼
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
3.00%3.50%4.00%Oct 3, 2026: 3.50% APYOct 3, 2026Oct 14, 2026
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
View
▼
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%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
2.53%3.26%3.99%Sep 14, 2026: 3.03% APYSep 24, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.49%▲ from 3.03%
  • Sep 14, 20263.03%first recorded

West Des Moines 60 Month CD Rates

Iowa 60 Month CD Average2.70% APYNational 2.91%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66% ▲ 1.96% above Iowa avg
View
▼
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%
2.64%4.15%5.67%Sep 14, 2026: 3.65% APYOct 5, 2026: 4.66% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.66%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 60-month IRA
$0
4.61% ▲ 1.91% above Iowa avg
View
▼
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
4.11%4.61%5.11%Oct 13, 2026: 4.61% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
60 Month Jumbo Certificates
$0
4.55% ▲ 1.85% above Iowa avg
View
▼
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%
2.55%4.05%5.55%Sep 22, 2026: 3.55% APYOct 13, 2026: 4.55% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.55%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
60 Month Certificates
$0
4.50% ▲ 1.80% above Iowa avg
View
▼
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%
2.50%4.00%5.50%Sep 18, 2026: 3.50% APYOct 13, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.50%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$15,000
3.80% ▲ 1.10% above Iowa avg
View
▼
Rate3.75%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details

Interest Paid Quarterly; Automatically Renewable Yes

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 60 Months
$500
3.80% ▲ 1.10% above Iowa avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details

Interest Paid Quarterly; Auto Renew Yes

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$1,000
3.65% ▲ 0.95% above Iowa avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.95% above avgNationally 2.91%
Details

Interest Paid Quarterly; Automatically Renewable Yes

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$50,000
3.63% ▲ 0.93% above Iowa avg
View
▼
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%
2.72%3.43%4.13%Sep 14, 2026: 3.22% APYOct 3, 2026: 3.63% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.63%▲ from 3.22%
  • Sep 14, 20263.22%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
60 Month Business Share Certificates
$0
3.35% ▲ 0.65% above Iowa avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.65% above avgNationally 2.91%
Details

Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
60 Month Share Certificates
$1,000
3.35% ▲ 0.65% above Iowa avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.65% above avgNationally 2.91%
Details

Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$25,000
3.32% ▲ 0.62% above Iowa avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.62% above avgNationally 2.91%
Details

Balance: 25,000+

Rate History
1 change since Sep 14, 2026 · 3.02% → 3.32% ▲ 0.30 pts · high 3.32% / low 3.02%
2.52%3.17%3.82%Sep 14, 2026: 3.02% APYOct 3, 2026: 3.32% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.32%▲ from 3.02%
  • Sep 14, 20263.02%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$10,000
3.22% ▲ 0.52% above Iowa avg
View
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.52% above avgNationally 2.91%
Details

Balance: 10,000+

Rate History
1 change since Sep 14, 2026 · 2.92% → 3.22% ▲ 0.30 pts · high 3.22% / low 2.92%
2.42%3.07%3.72%Sep 14, 2026: 2.92% APYOct 3, 2026: 3.22% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.22%▲ from 2.92%
  • Sep 14, 20262.92%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
60 Month Certificate
$1,500
3.02% ▲ 0.32% above Iowa avg
View
▼
Rate3.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.32% above avgNationally 2.91%
Details

Rate History
No change since Sep 7, 2026 · 3.02% APY · checked 8 times
2.52%3.02%3.52%Sep 7, 2026: 3.02% APYSep 7, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$2,500
2.22% ▼ 0.48% below Iowa avg
View
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 0.48% below avgNationally 2.91%
Details

Balance: 2,500+

Rate History
1 change since Sep 14, 2026 · 2.82% → 2.22% ▼ 0.60 pts · high 2.82% / low 2.22%
1.62%2.52%3.42%Sep 14, 2026: 2.82% APYOct 3, 2026: 2.22% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20262.22%▼ from 2.82%
  • Sep 14, 20262.82%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Regular & IRA Certificates
$500
2.13% ▼ 0.57% below Iowa avg
View
▼
Rate2.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 6 times
1.63%2.13%2.63%Sep 14, 2026: 2.13% APYSep 14, 2026Oct 14, 2026
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Variable Certificate
$0
2.13% ▼ 0.57% below Iowa avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.91%
Details

Variable dividend rate; Minimum $500 balance required

Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 6 times
1.63%2.13%2.63%Sep 14, 2026: 2.13% APYSep 14, 2026Oct 14, 2026
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Variable Education Certificate
$0
2.13% ▼ 0.57% below Iowa avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.91%
Details

Variable dividend rate; Minimum $500 balance required

Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 6 times
1.63%2.13%2.63%Sep 14, 2026: 2.13% APYSep 14, 2026Oct 14, 2026
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$500
1.61% ▼ 1.09% below Iowa avg
View
▼
Rate1.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 1.09% below avgNationally 2.91%
Details

Balance: 500+

Rate History
1 change since Sep 14, 2026 · 1.40% → 1.61% ▲ 0.21 pts · high 1.61% / low 1.40%
0.90%1.51%2.11%Sep 14, 2026: 1.40% APYOct 3, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.61%▲ from 1.40%
  • Sep 14, 20261.40%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
60 Month CD
$0
1.51% ▼ 1.19% below Iowa avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▼ 1.19% below avgNationally 2.91%
Details

Balance: $0 - $9,999

Rate History
No change since Sep 24, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 24, 2026: 1.51% APYSep 24, 2026Oct 14, 2026
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
60-month CD
$500
1.25% ▼ 1.45% below Iowa avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 1.45% below avgNationally 2.91%
Details

Minimum to Open/Average Daily Balance to Earn APY: $500 and above

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.95% below Iowa avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.95% below avgNationally 2.91%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
60 Month Standard CD
$1,000
0.75% ▼ 1.95% below Iowa avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.95% below avgNationally 2.91%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
60 Month CD
$2,500
0.50% ▼ 2.20% below Iowa avg
View
▼
Rate0.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 2.20% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.80% ▲ 2.10% above Iowa avg
View
▼
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%
3.46%4.47%5.47%Sep 14, 2026: 4.13% APYOct 9, 2026: 4.80% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.30%4.80%5.30%Oct 9, 2026: 4.80% APYOct 9, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.70% ▲ 2.00% above Iowa avg
View
▼
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%
3.34%4.36%5.38%Sep 14, 2026: 4.02% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.20%4.70%5.20%Oct 9, 2026: 4.70% APYOct 9, 2026Oct 14, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.60% ▲ 1.90% above Iowa avg
View
▼
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%
3.24%4.26%5.28%Sep 14, 2026: 3.92% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
4.10%4.60%5.10%Oct 9, 2026: 4.60% APYOct 9, 2026Oct 14, 2026
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
View
▼
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
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
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
View
▼
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
3.95%4.45%4.95%Oct 3, 2026: 4.45% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 14, 2026
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
View
▼
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
3.85%4.35%4.85%Oct 3, 2026: 4.35% APYOct 3, 2026Oct 14, 2026
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
View
▼
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
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 14, 2026
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
View
▼
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
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 14, 2026
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
View
▼
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%
3.66%4.22%4.77%Sep 20, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 3, 2026: 4.27% APYSep 20, 2026Oct 14, 2026
  • 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
View
▼
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
3.75%4.25%4.75%Oct 3, 2026: 4.25% APYOct 3, 2026Oct 14, 2026
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
View
▼
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%
3.56%4.11%4.66%Sep 20, 2026: 4.06% APYSep 24, 2026: 4.11% APYOct 3, 2026: 4.16% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.16%▲ from 4.11%
  • Sep 24, 20264.11%▲ from 4.06%
  • Sep 20, 20264.06%first recorded
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
View
▼
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%
3.13%3.84%4.54%Sep 14, 2026: 3.63% APYOct 3, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
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
View
▼
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%
1.70%3.28%4.85%Sep 14, 2026: 2.75% APYOct 3, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYSep 20, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 14, 2026
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
View
▼
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
3.29%3.79%4.29%Sep 24, 2026: 3.79% APYSep 24, 2026Oct 14, 2026
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
View
▼
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
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
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
View
▼
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%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 29, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 29, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.21%3.71%4.21%Oct 9, 2026: 3.71% APYOct 9, 2026Oct 14, 2026
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 Month Premier Certificates
$0
3.61% ▲ 0.91% above Iowa avg
View
▼
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
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 14, 2026
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-Month Term
$0
3.55% ▲ 0.85% above Iowa avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.91%
Details

Balance: $50,000 and above

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
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.

Top CD Rates from West Des Moines, Iowa Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Fidelity Bank Savanna, IL
20-month special, with rollover into 24-month at time of maturity
A 5.0 ★ TX: 7.99%
Min: $0
4.50%
Bank
IntraFi Network CD 3 Year
A+ 5.0 ★ TX: 5.26%
Min: $100,000
4.50%
TruBank
6-12 Month CD Special
A 5.0 ★ TX: 11.45%
Min: $0
4.35%
Earlham Savings Bank
12 Month Certificates of Deposit
A+ 5.0 ★ TX: 5.57%
Min: $15,000
4.00%
South Story B&T
3-Month CD Special
A 5.0 ★ TX: 7.43%
Min: $1,000
4.00%
CU Top 5 Credit Union Rates
Marine Credit Union
Jumbo Individual Retirement Account Certificates - 60-month
A 5.0 ★ TX: 13.08%
Min: $0
4.66%
Financial Plus Credit Union
Certificate Specials - 18 Months
A+ 5.0 ★ TX: 4.89%
Min: $0
4.08%
Premier Credit Union
12 Month Kirby Kids CD
A 5.0 ★ TX: 10.53%
Min: $100
3.70%
Greater Iowa Credit Union
60 Month Business Share Certificates
A 5.0 ★ TX: 8.43%
Min: $0
3.35%
Collins Community Credit Union
Certificates of Deposit (CDs) - 12 Month
B 4.6 ★ TX: 20.10%
Min: $1,000
1.00%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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West Des Moines, IA CD Rate Trends

Compare local West Des Moines, IA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Iowa CD Trends
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

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%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Iowa average 12-month CD APY in our database.

Spread model: The Iowa 12-month CD average currently trades 1.53% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 West Des Moines, Iowa Savers

$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
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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1,314
CD Rates
Tracked in West Des Moines, Iowa
55 Banks 39 Credit Unions

About Our West Des Moines, Iowa CD Rate Database

MonitorBankRates tracks 1,314 CD rates from 55 banks and 39 credit unions with locations in West Des Moines, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Marine Credit Union offers a CD at 4.66% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Des Moines, Iowa.

How to Find the Best CD Rates in West Des Moines, Iowa

What to compare when shopping for a CD in West Des Moines, Iowa

To find the best APYs in West Des Moines, Iowa, start with credit unions and online-only banks: West Des Moines, Iowa has 39 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 West Des Moines, Iowa

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in West Des Moines, Iowa: 94 institutions here report CD rates

Consider an Alternative If…

West Des Moines, Iowa Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
15.1%
National avg: 17.3%
Median Individual Earnings
$51,642
National avg: $47,340
Poverty Rate
8.4%
National avg: 11.1%
Unemployment Rate
2.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$147/yr
At IA 12-mo avg 2.845% APY

15.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.4% reflects a strong local economy. At today’s IA 12-month CD average of 2.845%, saving 10% of the local median salary ($5,164/year) and putting it in a CD would earn an additional $147 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 West Des Moines, Iowa

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in West Des Moines, Iowa

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in West Des Moines, Iowa typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in West Des Moines, Iowa as everywhere in the U.S.

Choosing a CD Term in West Des Moines, Iowa

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give West Des Moines, Iowa savers easier access to their funds. For example, Marine Credit Union is offering its 6 Month Certificate Special at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Marine Credit Union is offering its Jumbo Individual Retirement Account Certificates - 60-month at 4.66% 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 West Des Moines, Iowa Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a West Des Moines, Iowa saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in West Des Moines, Iowa

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the West Des Moines, Iowa CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in West Des Moines, Iowa

Most CDs carry a fixed rate that is locked for the entire term, protecting a West Des Moines, Iowa depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in West Des Moines, Iowa

Are CD rates in West Des Moines, Iowa FDIC insured?

Yes, most established banks in West Des Moines, Iowa are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in West Des Moines, Iowa?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in West Des Moines, Iowa.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in West Des Moines, Iowa may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in West Des Moines, Iowa?

Here are recent top rates found for this area:
  • Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
  • 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)
  • TruBank: 4.35% APY (6-12 Month CD Special)
  • Financial Plus Credit Union: 4.08% APY (Certificate Specials - 18 Months)
  • Earlham Savings Bank: 4.00% APY (12 Month Certificates of Deposit)
  • South Story B&T: 4.00% APY (3-Month CD Special)
  • Premier Credit Union: 3.70% APY (12 Month Kirby Kids CD)
  • Union State Bank Winterset, IA: 3.63% APY (36 Month CD)
  • Central State Bank State Center, IA: 3.58% APY (12 Month Certificate)
Rates reflect recent verified offers available in West Des Moines, Iowa. Last Updated: October 14, 2026

West Des Moines, Iowa CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current West Des Moines, Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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.

Top West Des Moines, Iowa CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in West Des Moines, Iowa. Averages shown use the Iowa state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for West Des Moines, Iowa

West Des Moines, Iowa CD Calculator

At today’s IA top rate of 4.66% APY, a $10,000 deposit earns $466 in the first year. Enter your amount to see your exact return.

West Des Moines, Iowa CD Ladder

IA 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 Penalty

Before locking into a West Des Moines, Iowa CD at 4.66% 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 Savings

Iowa’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 West Des Moines, Iowa CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for West Des Moines, Iowa directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in West Des Moines, Iowa. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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