Iowa CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
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.
Current Iowa CD rates include Vibrant Credit UnionVibrant Credit Union3230 Ridge Pt, Bettendorf, IA 52722A-5.0 ★Texas Ratio: 14.65%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit Union123 W 4th St, Cedar Falls, IA 50613 2831A+5.0 ★Texas Ratio: 3.61%Real return: +1.30%APY minus CPI (February 2026) offering Share Certificates 12 months at 4.10% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 3.95%Real return: +1.26%APY minus CPI (February 2026) offering 12 month Certificate at 4.06% APY, Ascentra Credit UnionAscentra Credit Union2019 Grant St, Bettendorf, IA 52722A5.0 ★Texas Ratio: 6.57%Real return: +1.25%APY minus CPI (February 2026) offering 18 Months Certificates at 4.05% APY, and River Valley Credit Union Ames, IARiver Valley Credit Union Ames, IA2811 E 13th St, Ames, IA 50010A+5.0 ★Texas Ratio: 3.84%Real return: +1.22%APY minus CPI (February 2026) offering Share Certificate 6 months at 4.02% APY. CD rates as of May 31, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Iowa side-by-side. Iowa CD rates currently reach as high as 4.10% APY from Vibrant Credit Union at 3230 Ridge Pt, Bettendorf, IA 52722. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 31, 2026
Compare Best CD Rates in Iowa
Iowa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Youth Certificates 3 Month Add-On
$100
3.90%
▼
Rate3.84%
Min Deposit$100
Min Balance—
UpdatedMay 31, 2026
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
3 month CD Special
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
3-Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
A Limited Time Offer!
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
3 Month CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
3 Month
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
3 Month
$2,000
3.49%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
3 Month CD
$25,000
3.29%
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA 51012
Share Certificate 3 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
3 Month CD
$10,000
3.03%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
3 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of & IRA
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Yale, IA 50277
3 Months
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA 50613 5022
3-Month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
3 month Certificates of Deposit
$15,000
2.17%
▼
Rate2.15%
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
100 S Cherry St, Mount Pleasant, IA 52641
3 MO Share Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
3 month Certificates of Deposit
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificates of Deposit
$50,000
2.07%
▼
Rate2.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of & IRA
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificates of Deposit
$15,000
2.05%
▼
Rate2.03%
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificates of Deposit
$2,500
2.03%
▼
Rate2.01%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
802 W Jasper St, Pleasantville, IA 50225
3-Months
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 3 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
At Maturity
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
3 months Certificate of Deposit (CD)
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
Standard Certificates of Deposit 3 Month
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
3 Months CD
$75,000
1.56%
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
UpdatedMay 29, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
3 Months CD
$500
1.41%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 3 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
3 month term
$1,000
1.00%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 3-month
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA 52101 2412
3-month Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 3 Months
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
3 Months Diamond
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA 52722
3 Months Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
3 Months Platinum
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
3 Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
3 Month CERTIFICATE OF DEPOSIT
$500
0.14%
▼
Rate0.14%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
3 Months
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Iowa 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3230 Ridge Pt, Bettendorf, IA 52722
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 6 months
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
100 University Ave, Des Moines, IA 50314 3121
6-month IRA Share Certificates
$250
4.01%
▼
Rate3.95%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
100 University Ave, Des Moines, IA 50314 3121
6-month Share Certificates
$5,000
4.01%
▼
Rate3.95%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
6 Month
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Months Certificate
$100,000
3.95%
▼
Rate3.89%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA 52722
6 Months Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 6 months
$10,000
3.92%
▼
Rate3.85%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA 52761
6-month CDs
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Share Certificates 6 months
$1,000
3.90%
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Limited Time Special
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Months Certificate
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 6 months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
6 Month
$2,000
3.80%
▼
Rate3.76%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
6 months Certificate of Deposit (CD)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA 50401
6 Months
$500
3.74%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Minimum Deposit of $500
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
6 Months Diamond
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 Month
$50,000
3.68%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$50,000
3.68%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 month Certificates of Deposit
$50,000
3.68%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of & IRA
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
6 Month Certificates of Deposit
$25,000
3.68%
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
6 Month CD
$1,000
3.68%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
6 Months Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
823 Wheeler St, Ames, IA 50010
6-months Certificates of Deposit
$10,000
3.65%
▼
Rate3.62%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
6 Month CD
$1,000
3.65%
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 Month
$15,000
3.58%
▼
Rate—
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$15,000
3.58%
▼
Rate—
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 month Certificates of Deposit
$15,000
3.58%
▼
Rate3.55%
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
6-month Special
$1,000
3.55%
▼
Rate3.52%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
6 Month Certificates of Deposit
$10,000
3.53%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
6-month CD
$5,000
3.53%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$100,000
3.51%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA 52101 2412
6-month Certificate Special
$5,000
3.50%
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
APY shown accurate as of 4/1/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees.
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA 52101 2412
Certificate Special 6-month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
APY shown accurate as of 4/1/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees.
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA 52101 2412
6-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
As high as
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
Certificates of Deposit (CDs) 6 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
6 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
6 Month Certificates of Deposit
$2,500
3.43%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
6 Month Regular
$1,000
3.40%
▼
Rate3.37%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
122 Main St, Earling, IA 51530
6 Month CD
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
6-Month Term CD
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
6-Month Term**
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
6-Month Term** IRA Certificates
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
6 Months
$1,000
3.28%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
6 Months CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
3465 ASBURY RD, DUBUQUE, IA 52002
6 Months EcoPlus Account Bonus Certificates of Deposit
$1,000
3.26%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Iowa 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
12 Month Certificate
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Share Certificates 12 months
$1,000
4.10%
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Limited Time Special
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 month Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 month Certificates
$10,000
4.06%
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month CD Specials
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month Certificate of Deposit
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
12 Months* CD Specials
$125,000
4.00%
▼
Rate3.94%
Min Deposit$125,000
Min Balance—
UpdatedMay 29, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 12 months
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
100 University Ave, Des Moines, IA 50314 3121
1-year IRA Share Certificates
$250
3.91%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
100 University Ave, Des Moines, IA 50314 3121
1-year Share Certificates
$5,000
3.91%
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months Certificate and IRA
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
12 Month
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
12 Month IRA Certificates
$100,000
3.89%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 12 months
$10,000
3.87%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month Certificate of Deposit
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months Certificate and IRA
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
Baby Bundle Certificate 12 Month
$25
3.80%
▼
Rate3.74%
Min Deposit$25
Min Balance—
UpdatedMay 23, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month & 2 Add-Ons
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
To qualify the individual must be 18 years of age or younger. Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month KIDS CD & 2 Add-Ons
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 and above; To qualify the individual must be 18 years of age or younger.; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit.
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 12 months
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
12 Months* CD Specials
$75,000
3.75%
▼
Rate3.70%
Min Deposit$75,000
Min Balance—
UpdatedMay 29, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs 12 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
316 E Bremer Ave, Waverly, IA 50677
12 Months Time Certificates of Deposit (CD)
$5,000
3.75%
▼
Rate3.72%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
12 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Add2IRA 12 Months
$100
3.75%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 28, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
12 Month
$0
3.73%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
12 Month IRA Certificates
$25,000
3.73%
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
12 Month CD
$100,000
3.70%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA 52722
12 Months Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA 52722
Share Certificate 12 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
2801 Hollenbeck Rd, Palo, IA 52324
12 Month
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Opening Balance $100,000.00+
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 28, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
12 Month
$10,000
3.65%
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
1-year Jumbo Certificate of Deposit (CD)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 1 Year
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
12 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
202 3rd Ave, Royal, IA 51357
1 Year (12 months) CD
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
12 Months* CD Specials
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
12-MONTH CERTIFICATE
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 12-MONTH CERTIFICATE
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
823 Wheeler St, Ames, IA 50010
12 Months Certificates of Deposit
$10,000
3.55%
▼
Rate3.52%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
1 year Certificate of Deposit (CD)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
2801 Hollenbeck Rd, Palo, IA 52324
12 Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Opening Balance $1,000.00 - $19,999.99
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
12 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
IRA 12 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
125 W 4th St, Spencer, IA 51301
12 Month Certificate of Deposit
$5,000
3.52%
▼
Rate3.47%
Min Deposit$5,000
Min Balance—
UpdatedMay 29, 2026
Details
Iowa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA 52722
18 Months Certificates
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
18 Month
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
18 Month CD Specials
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate of Deposit
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Share Certificates 18 months
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Limited Time Special
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
18 Month
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate of Deposit
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
18 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
18 Month IRA Certificates
$100,000
3.84%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
100 University Ave, Des Moines, IA 50314 3121
18-month IRA Share Certificates
$250
3.81%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
100 University Ave, Des Moines, IA 50314 3121
18-month Share Certificates
$5,000
3.81%
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 month Certificates
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$100,000
3.76%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
18 months Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
18-month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
IRA Certificates of Deposit 18 months special
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
limited time!
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
18 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Additions Permitted
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
18 Month
$0
3.73%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
18 Month IRA Certificates
$25,000
3.73%
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
18 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs 18 Months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 18 Month
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$10,000
3.56%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
Certificates of Deposit (CDs) 18 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
18 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA 51012
Share Certificate 18 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA 52722
18 Months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
18 Month and Build CD
$1,000
3.40%
▼
Rate3.37%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months Certificate and IRA
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
18 Month CD
$25,000
3.34%
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
2801 Hollenbeck Rd, Palo, IA 52324
18 Month
$100,000
3.34%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Opening Balance $100,000.00+
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$1,000
3.31%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Certificates of Deposit 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
823 Wheeler St, Ames, IA 50010
18 Months
$10,000
3.25%
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
100 S Cherry St, Mount Pleasant, IA 52641
18 MO Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months Certificate and IRA
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
2801 Hollenbeck Rd, Palo, IA 52324
18 Month
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Opening Balance $1,000.00 - $19,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
18 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term CD
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term***
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$50,000 and above
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA 50401
18 MONTHS
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Minimum Deposit of $500
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
18 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
18 Month Certificate Account
$500
3.10%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
18 Month CD
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term CD
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term***
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$25,000-$49,999.99
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
18 months Certificates of Deposit (CDs)
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Iowa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
100 N Main St, Clarksville, IA 50619
24 Month CD Special
$5,000
4.00%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details
LIMITED TIME ONLY!
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
24 Month Legacy CD
$20
4.00%
▼
Rate—
Min Deposit$20
Min Balance—
UpdatedMay 28, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
24 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
24 Month CD Specials
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Share Certificates 24 months
$1,000
3.90%
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
Limited Time Special
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
24 Month
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
24 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
24 Month IRA Certificates
$100,000
3.84%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
24 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs 24 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$100,000
3.80%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
802 W Jasper St, Pleasantville, IA 50225
SPRING SPECIAL: Pick your term! 12, 18, or 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Must contact a personal banker at 515-962-1400 to receive the special.
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
24 Month
$0
3.73%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
24 Month IRA Certificates
$25,000
3.73%
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
24-Month CD Special
$10,000
3.70%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
$10,000 minimum deposit, penalty for early withdrawal. Rate as of 5/18/2026 and subject to change.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$50,000
3.66%
▼
Rate3.60%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
24 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1831 2nd St, Coralville, IA 52241
2 Year
$0
3.61%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
316 E Bremer Ave, Waverly, IA 50677
24 Months Time Certificates of Deposit (CD)
$5,000
3.60%
▼
Rate3.57%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$10,000
3.60%
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 2 Year
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
Kids1st CDs 24 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100 minimum - $1,000 maximum; Only members younger than 18
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
24 month CD Special
$0
3.55%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 month Certificates
$10,000
3.55%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
24 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
IRA 24 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
Certificates of Deposit (CDs) 24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 24 months
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$1,000
3.35%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 24 months
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
24 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
2-year Jumbo Certificate of Deposit (CD)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
24 Months Certificate and IRA
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
24 Month, Bump CD and Build CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA 50010
Share Certificate 24 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Certificates of Deposit 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
24 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
24 Months Certificate and IRA
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA 51503 1513
Baby Bundle Certificate 24 Month
$50
3.20%
▼
Rate3.15%
Min Deposit$50
Min Balance—
UpdatedMay 23, 2026
Details
Iowa 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
36 Month
$0
3.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$100,000
3.85%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$100,000
3.82%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs 36 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
36 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
36 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
36 Month
$2,000
3.73%
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$50,000
3.71%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Share Certificates 36 months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$10,000
3.65%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
316 E Bremer Ave, Waverly, IA 50677
36 Month Raise-A-Rate Time Certificates of Deposit (CD)
$5,000
3.65%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1831 2nd St, Coralville, IA 52241
3 Year
$0
3.63%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$50,000 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
36 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
One Bump - Up per Term
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
IRA 36 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
One Bump - Up per Term
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
36 Month IRA Certificates
$25,000
3.53%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
36 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
36 month CD Special One Way
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
Certificates of Deposit (CDs) 36 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$25,000-$49,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate Account
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$1,000
3.40%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$5,000-$24,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 3 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Quarterly
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 month Certificates
$10,000
3.25%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 month Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
802 W Jasper St, Pleasantville, IA 50225
36-Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
36 Month CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$1,000-$4,999.99
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA 51012
Share Certificate 3 Years
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate Account
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
36 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate Account
$500
3.10%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Certificates of Deposit 36 Months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate Account
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
36 months Certificates of Deposit (CDs)
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA 50158
IRA Certificates of Deposit 36 months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Iowa 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
48 Month
$100,000
3.89%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
48 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs 48 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
48 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
48 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
48 Month
$2,000
3.73%
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3230 Ridge Pt, Bettendorf, IA 52722
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
48 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
48 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
IRA 48 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
48 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
48 Month IRA Certificates
$25,000
3.53%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
Certificates of Deposit (CDs) 48 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$10,000
3.45%
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate Account
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
316 E Bremer Ave, Waverly, IA 50677
48 Months Time Certificates of Deposit (CD)
$2,500
3.35%
▼
Rate3.32%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$1,000
3.35%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 4 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Quarterly
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA 51012
Share Certificate 4 Years
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3098 Floyd Blvd, Sioux City, IA 51108
IRA Share Certificates 48 month certificate
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 48 month certificate
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
802 W Jasper St, Pleasantville, IA 50225
48-Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
48 Month and Access CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate Account
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
North Western Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA 51501 3922
48 MONTHS
$10,000
3.14%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
48 Month CD
$50,000
3.12%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
48 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA 50401
4 YEARS
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Minimum Deposit of $500
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Certificates of Deposit 48 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
48 months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Iowa 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
5 Year
$100,000
3.89%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000 & over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$50,000
3.82%
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
60 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs 60 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
60 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
60 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000-$99,999
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
5 Year
$2,000
3.73%
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
60 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate Account
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
60-Month Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$50,000 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
60 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA 51105
IRA 60 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
116 Main St, Williams, IA 50271
60-month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
60 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
60 Month IRA Certificates
$25,000
3.53%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
Certificates of Deposit (CDs) 60 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 60 month certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3098 Floyd Blvd, Sioux City, IA 51108
IRA Share Certificates 60 month certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$10,000
3.45%
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$25,000-$49,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate Account
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$1,000
3.35%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$5,000-$24,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA 51012
Share Certificate 5 Years
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
60-month CD
$25,000
3.29%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 28, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 5 Year
$0
3.28%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
60-month CD
$5,000
3.28%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
60 Month and Access CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
802 W Jasper St, Pleasantville, IA 50225
60-Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
60-month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$1,000-$4,999.99
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
60 Month CD
$50,000
3.22%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Yale, IA 50277
60 Months
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
60 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Iowa CD Rate Trends
Compare local Iowa CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — IA Avg
2.758%
▼ 0.006 vs 7 days ago
Iowa 12-month CD rates fell 0.006 points over the past 7 days to 2.758% APY.
6-Month CD — IA Avg
2.743%
▲ 0.019 vs 7 days ago
Iowa 6-month CD rates rose 0.019 points over the past 7 days to 2.743% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
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IA CD Rate Forecast — Next 12 Months
Where are Iowa CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.758%
6-Month Forecast
2.758%
Range: 2.56% – 2.91%
12-Month Forecast
2.508%
Range: 2.31% – 2.66%
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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 | 1.838% | $91.92 | $183.83 | $459.58 | $919.15 |
| 6-Month CD | 2.743% | $137.14 | $274.27 | $685.68 | $1,371.35 |
| 12-Month CD | 2.758% | $137.89 | $275.78 | $689.45 | $1,378.90 |
| 18-Month CD | 2.695% | $134.74 | $269.48 | $673.70 | $1,347.40 |
| 24-Month CD | 2.761% | $138.07 | $276.14 | $690.35 | $1,380.70 |
| 36-Month CD | 2.744% | $137.19 | $274.37 | $685.93 | $1,371.85 |
| 48-Month CD | 2.791% | $139.53 | $279.05 | $697.63 | $1,395.25 |
| 60-Month CD | 2.891% | $144.54 | $289.07 | $722.68 | $1,445.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 31, 2026. | |||||
Sample CD Ladder for Iowa Savers
$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.838% | $91.92 |
| 2 | 6-Month CD | $5,000 | 2.743% | $137.14 |
| 3 | 12-Month CD | $5,000 | 2.758% | $137.89 |
| 4 | 24-Month CD | $5,000 | 2.761% | $138.07 |
| 5 | 36-Month CD | $5,000 | 2.744% | $137.19 |
| Total ($25,000 invested) | $25,000 | 2.569% blended | $642.21/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.
729
CD Rates
Tracked in Iowa
Tracked in Iowa
42 Banks
31 Credit Unions
About Our Iowa CD Rate Database
MonitorBankRates tracks 729 CD rates from 42 banks and 31 credit unions with locations in Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Vibrant Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Iowa.
How to Find the Best CD Rates in Iowa
What to compare when shopping for a CD in Iowa
To find the best APYs in Iowa, start with credit unions and online-only banks — Iowa has 31 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 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 Iowa — 73 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Iowa savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Iowa money market rates
Iowa Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
18.1%
National avg: 17.3%
Median Individual Earnings
$44,180
National avg: $47,340
Poverty Rate
11.1%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At IA 12-mo avg 2.758% APY
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s IA 12-month CD average of 2.758%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $122 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 Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in 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 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 Iowa as everywhere in the U.S.
Choosing a CD Term in 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 Iowa savers easier access to their funds. For example, Vibrant Credit Union is offering its 6-Month CD Special at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Serve Credit Union is offering its 60-MONTH CERTIFICATE at 3.92% 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 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 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 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 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 Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Iowa
Are CD rates in Iowa FDIC insured?
Yes, most established banks in 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 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 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 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 Iowa?
Here are recent top rates found for this area:
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Cedar Falls Community Credit Union: 4.10% APY (12 Month Certificate)
- Affinity Credit Union: 4.06% APY (12 month Certificate)
- Ascentra Credit Union: 4.05% APY (18 Months Certificates)
- River Valley Credit Union Ames, IA : 4.02% APY (Share Certificate 6 months)
- Des Moines Metro Credit Union: 4.01% APY (6-month IRA Share Certificates)
- Luana Savings Bank: 4.00% APY (18 Month CD Specials)
- Iowa State Bank Clarksville, IA: 4.00% APY (24 Month CD Special)
- Green Belt Bank & Trust: 4.00% APY (24 Month Legacy CD)
- Washington State Bank Washington, IA: 4.00% APY (12 Months* CD Specials)
Rates reflect recent verified offers available in Iowa. Last Updated: May 31, 2026
CD Calculators for Iowa
Iowa CD Calculator
At today’s IA top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.
Iowa CD LadderIA CD rates currently range from 1.838% (3-month) to 2.744% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Iowa CD at 4.10% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.758% 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 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 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 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: May 31, 2026
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