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Iowa Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 5 Star Community Credit Union5 Star Community Credit Union100 S Cherry St, Mount Pleasant, IA 52641A5.0 ★Texas Ratio: 6.09%Real return: +1.70%APY minus CPI (February 2026) offering 6 Month Share Certificate at 4.50% APY, Luana Savings BankLuana Savings Bank100 Harvest Dr, Luana, IA 52156A+5.0 ★Texas Ratio: 1.00%Real return: +1.55%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit at 4.35% 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: +1.50%APY minus CPI (February 2026) offering 18 Month JUMBO Certificate at 4.30% APY, Vibrant Credit UnionVibrant Credit Union3230 Ridge Pt, Bettendorf, IA 52722A5.0 ★Texas Ratio: 13.71%Real return: +1.45%APY minus CPI (February 2026) offering 6-Month CD Special at 4.25% APY, and Capra BankCapra Bank955 Washington St, Dubuque, IA 52001A+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month Bump-Up CD at 4.25% APY. CD rates as of September 21, 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 4.50% APY from 5 Star Community Credit Union at 100 S Cherry St, Mount Pleasant, IA 52641. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Iowa
Iowa 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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
3 Month Youth Certificate
$100
4.00%
▲ 1.94% above national avg
▼
Rate3.94%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
$30,000 Max. - Penalty for Early Withdrawal. Only available for members under age 18. Member may add to certificate balance at any time.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
3 Month Certificate of Deposit
$100,000
3.91%
▲ 1.85% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.85% above avg
Details
Balance: $100,000 and above
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
3 Month Certificates of Deposits (CDs)
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.74% above avg
Details
At Maturity
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
3 Month Certificate of Deposit
$2,000
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Balance: $2,000 to $99,999.99
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
3 month CD Special
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.69% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Gold Tier
$0
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
3 Month CD
$1,000
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.59% above avg
Details
Interest Compounded and Credited At Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Silver Tier
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
3 Month Certificate
$1,000
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.49% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
3 Month CD
$25,000
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.38% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
329 Pierce St, Sioux City, IA 51101
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
501 Linn St, Slater, IA 50244
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
APY = Annual Percentage Yield; Minimum balance to obtain APY is $1,000. Early withdrawal penalties may apply. Non-institutional funds only. Rate current as of 12/11/25.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Promotional CD
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Published APY range: 3.29% to 3.80%; Published rate range: 3.25% to 3.75%. Earn our highest rates* when you qualify for the Platinum tier of our Benefits Banking Loyalty Program . Open Online
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
3 Month CD
$10,000
3.19%
▲ 1.13% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.13% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$1,000
3.14%
▲ 1.08% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.08% above avg
Details
Balance: $100,000 & over
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
3 Month Share Certificate
$500
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$1,000
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.97% above avg
Details
Balance: $1,000-$99,999
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
322 Main Ave, Clear Lake, IA 50428
3 Month Certificate
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
100 S Cherry St, Mount Pleasant, IA 52641
3 Month Share Certificate
$500
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.84%
▲ 0.78% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.78% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.79%
▲ 0.73% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.73% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.74%
▲ 0.68% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.68% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.69%
▲ 0.63% above national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.63% above avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
3 Month Certificates of Deposit (CD)
$0
2.65%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.59% above avg
Details
Balance: $50,000 - $99,999
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
3 Month Certificate
$1,000
2.37%
▲ 0.31% above national avg
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.31% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month Certificate
$50,000
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.21% above avg
Details
IRA
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Yale, IA 50277
3 Month Certificate
$500
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.21% above avg
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA 50613 5022
3-Month Certificate
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.19% above avg
Details
Balance: $500.00
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month Certificate
$15,000
2.17%
▲ 0.11% above national avg
▼
Rate2.15%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.11% above avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
3 Month Certificates of Deposit (CD)
$0
2.14%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.08% above avg
Details
Balance: $25,000 - $49,999
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month Certificate
$1,000
2.07%
▲ 0.01% above national avg
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.01% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificate
$50,000
2.07%
▲ 0.01% above national avg
▼
Rate2.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.01% above avg
Details
IRA
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificate
$15,000
2.05%
▼ 0.01% below national avg
▼
Rate2.03%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.01% below avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificate
$2,500
2.03%
▼ 0.03% below national avg
▼
Rate2.01%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.03% below avg
Details
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
317 3rd St, Ashton, IA 51232
3 Month Certificate of Deposit
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.04% below avg
Details
APY* Quarterly
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
802 W Jasper St, Pleasantville, IA 50225
3 Month Certificate
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
203 Crestwood Ave, Bremer, IA 50677
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.22% below national avg
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.22% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
219 Main St, Sanborn, IA 51248
90 Day CD
$0
1.81%
▼ 0.25% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.25% below avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
3 Month Certificates of Deposit (CD)
$0
1.64%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.42% below avg
Details
Balance: $10,000 - $24,999
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
3 Month Certificate
$75,000
1.56%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.50% below avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
3 Month Jumbo Certificate
$0
1.55%
▼ 0.51% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.51% below avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
3 Month Certificate of Deposit
$10,000
1.50%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.56% below avg
Details
Balance: $10,000 - $1,000
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
3 Month Certificates
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.56% below avg
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
3 Month Certificate
$500
1.41%
▼ 0.65% below national avg
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.65% below avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
3 Month Certificates of Deposit (CD)
$0
1.38%
▼ 0.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.68% below avg
Details
Balance: $5,000 - $9,999
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
3 Month Certificate of Deposit
$1,000
1.25%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.81% below avg
Details
Balance: $1,000
Iowa 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
100 S Cherry St, Mount Pleasant, IA 52641
6 Month Share Certificate
$500
4.50%
▲ 1.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.73% above avg
Details
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3230 Ridge Pt, Bettendorf, IA 52722
6-Month CD Special
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
6 Month JUMBO Certificate
$100,000
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Term: 6 months (Limited Time Special); Penalty for Early Withdrawal
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Jumbo Certificates
$0
4.23%
▲ 1.46% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.46% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$1,000
4.22%
▲ 1.45% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.45% above avg
Details
Balance: $100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
6 Month CD
$100,000
4.19%
▲ 1.42% above national avg
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.42% above avg
Details
Balance: $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
6 Month Share Certificate
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.38% above avg
Details
Term: 6 months (Limited Time Special); Penalty for Early Withdrawal
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Premier Certificates
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.36% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$1,000
4.11%
▲ 1.34% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.34% above avg
Details
Balance: $1,000-$99,999
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Certificate
$100,000
4.05%
▲ 1.28% above national avg
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details
Member Loyalty APY: 4.20%; Period: Quarterly; Amount: $100,000.00 & greater
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
6 Month CD
$2,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.27% above avg
Details
Balance: $2,000 to $99,999.99
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3580 Ep True Pkwy, West Des Moines, IA 50265
6 Month CD Options
$0
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
6 Month Certificate Special
$1,500
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Youth Certificates
$0
4.02%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.25% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
6 Month Certificate
$5,000
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.24% above avg
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 6-month
$250
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.24% above avg
Details
Penalty: 3 month
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
6 Month Certificate
$10,000
4.00%
▲ 1.23% above national avg
▼
Rate3.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
6 Month Share Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Certificate
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details
Member Loyalty APY: 4.10%; Period: Quarterly; Amount: $1,000.00-99,999.99
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
4343 Utica Ridge Rd, Bettendorf, IA 52722
6 Month Share Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
not applicable to IRAs
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
6 Month Certificates of Deposits (CDs)
$0
3.89%
▲ 1.12% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.12% above avg
Details
Semi-Annually
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2811 E 13th St, Ames, IA 50010
6 Month Share Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance: $100,000+
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.99% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
6 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $10,000 to $49,999.99
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1602 S MONROE AVE, MASON CITY, IA 50401
6 Month Certificate
$500
3.74%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.97% above avg
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2811 E 13th St, Ames, IA 50010
6 Month Share Certificate
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Balance: $10,000-$99,999
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Diamond APY
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$50,000
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.91% above avg
Details
IRA
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 6 Month
$0
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.91% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
6 Month CD
$0
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.91% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
6 Month Certificate
$1,000
3.66%
▲ 0.89% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.89% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Platinum APY
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
6 Month CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Interest Compounded and Credited At Maturity
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2811 E 13th St, Ames, IA 50010
6 Month Share Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $1,000-$9,999
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $100,000 and over
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
6 Month Certificate of Deposit
$10,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $10,000 - $1,000
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
317 3rd St, Ashton, IA 51232
6 Month Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
APY* Quarterly
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$15,000
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.81% above avg
Details
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
402 N Main St, Allison, IA 50602
6 Month Certificate of Deposit (CD)
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 6 Month
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.76% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.74% above avg
Details
Balance: $50,000 to $99,999.99
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Base APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
6 Month Certificate Special
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Hills Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
240 3rd Ave Se, Cedar Rapids, IA 52401
6 month special - Relationship Pricing
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.72% above avg
Details
Iowa 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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 JUMBO Certificate
$100,000
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Term: 12 months (Limited Time Special); Penalty for Early Withdrawal
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month CD
$100,000
4.24%
▲ 1.29% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.29% above avg
Details
Balance: $100,000 and above
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Jumbo Certificates
$0
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.23% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$1,000
4.16%
▲ 1.21% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.21% above avg
Details
Balance: $100,000 & over
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
6-12 Month CD Special
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.20% above avg
Details
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 Share Certificate
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Term: 12 months (Limited Time Special); Penalty for Early Withdrawal
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
1 Year Share Certificate
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
1 Year Star Saver
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
Share Certificate
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month CD
$2,000
4.09%
▲ 1.14% above national avg
▼
Rate4.05%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.14% above avg
Details
Balance: $2,000 to $99,999.99
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Premier Certificates
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.12% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month Certificate
$0
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.11% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$1,000
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.11% above avg
Details
Balance: $1,000-$99,999
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Certificate
$10,000
4.06%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details
LIMITED TIME ONLY!
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
12 Month CD Special
$0
4.05%
▲ 1.10% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.10% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month & 2 Add-Ons CD
$500
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.09% above avg
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: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month KIDS CD & 2 Add-Ons
$500
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.09% above avg
Details
Term: 12 Month KIDS CD & 2 Add-Ons
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
1 Year Certificates of Deposits (CDs)
$0
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Semi-Annually
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Youth Certificates
$0
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.07% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month Certificate
$0
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details
Balance: $10,000 to $49,999.99
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3580 Ep True Pkwy, West Des Moines, IA 50265
12 Month CD Options
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
10-month special, with rollover into 12-month at time of maturity
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
12 Month CD
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA 50325 8616
12 Month Grow & Go Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Month Business Term Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Month Certificate and IRA
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month Certificate
$0
3.96%
▲ 1.01% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.01% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
12 Month Certificate
$1,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
1 Year Certificate
$5,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.96% above avg
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 1-year
$250
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.96% above avg
Details
Penalty: 3 month
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
12 Month Certificate of Deposit
$10,000
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details
Certificate of Deposit ($10,000-250,000) and IRAs ($1,000-250,000)
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
12 Month CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
CD Specials
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Month Baby Bundle Certificates
$25
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Period: Monthly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Month Business Term Share Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Month Certificate and IRA
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $1,000.00-99,999.99; Period: Quarterly
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
12 Month Certificate
$0
3.89%
▲ 0.94% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.94% above avg
Details
Balance: $100,000.00 and Over
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2811 E 13th St, Ames, IA 50010
12 Month Share Certificate
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.92% above avg
Details
Balance: $100,000+
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate3.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.90% above avg
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
100 S Cherry St, Mount Pleasant, IA 52641
12 Month Share Certificate
$500
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 12 Month
$0
3.84%
▲ 0.89% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.89% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$25,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Month Certificates of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$5,000
3.79%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2811 E 13th St, Ames, IA 50010
12 Month Share Certificate
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.81% above avg
Details
Balance: $10,000-$99,999
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Certificates
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.81% above avg
Details
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
4530 Singing Hills Blvd, Sioux City, IA 51106
12 Month Certificate of Deposit
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $2,000 - $24,999
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
4530 Singing Hills Blvd, Sioux City, IA 51106
12 Month TRIPLE OPTION CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $2,000 Min. Balance for APY
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
12 Month Time Certificates of Deposit (CD)
$5,000
3.75%
▲ 0.80% above national avg
▼
Rate3.72%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Iowa 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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
18 Month JUMBO Certificate
$100,000
4.30%
▲ 1.48% above national avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details
Term: 18 months (Limited Time Special); Penalty for Early Withdrawal
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
955 Washington St, Dubuque, IA 52001
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.43% above avg
Details
Bump-Up CD; Available for a limited time only; Allows you to increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate of Deposit
$100,000
4.24%
▲ 1.42% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.42% above avg
Details
Balance: $100,000 and above
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
18 Month CD Special
$0
4.20%
▲ 1.38% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.38% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
18 Month Share Certificate
$1,000
4.20%
▲ 1.38% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
Term: 18 months (Limited Time Special); Penalty for Early Withdrawal
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
Adjust-A-Rate CD - 18 Month
$1,000
4.14%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.32% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate of Deposit
$2,000
4.09%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.27% above avg
Details
Balance: $2,000 to $99,999.99
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
18 Month Certificates of Deposits (CDs)
$0
4.04%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.22% above avg
Details
Semi-Annually
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3580 Ep True Pkwy, West Des Moines, IA 50265
18 Month CD Options
$0
4.01%
▲ 1.19% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.19% above avg
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
18 Month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
125 W 4th St, Spencer, IA 51301
7 - 18 Month CD
$5,000
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
18 Month Certificate
$0
3.84%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.02% above avg
Details
Balance: $100,000.00 and Over
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
18 Month Certificate
$5,000
3.81%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.99% above avg
Details
Penalty: 6 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 18-month
$250
3.81%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.99% above avg
Details
Penalty: 6 month
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
18 Month Certificate of Deposit
$10,000
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
Balance: $10,000 - $1,000
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
18 Month Certificate
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Certificate
$10,000
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
LIMITED TIME ONLY!
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.76%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.94% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
18 Month Special Certificates
$0
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.94% above avg
Details
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
18 Month CD
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
CD Specials
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18 Month Certificate Special
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18 months special - limited time!
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Special - limited time!
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18-month CD Special
$500
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
APY = Annual Percentage Yield. Rate subject to change without notice. Penalty for early withdrawal. APY is accurate as of 01/01/2026. Some restrictions may apply.
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
18 Month Certificate
$0
3.73%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.91% above avg
Details
Balance: $0.00 - $24,999.99
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
18 Month Certificate
$1,000
3.71%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.89% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
18 Month CD
$25,000
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
18 Month Certificate of Deposit (CD)
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.76% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
18 Month CD
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.73% above avg
Details
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
126 S Market St, Solon, IA 52333
18 Month Certificate of Deposit
$1,000
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.72% above avg
Details
Compounding & Crediting Frequency: semi-annually
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 18 Month
$0
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.71% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
18 Month Share Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1831 25th St, West Des Moines, IA 50266 1416
18 Month Certificate Specials
$0
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.64% above avg
Details
Balance: Minimum $5,000 balance required
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
4343 Utica Ridge Rd, Bettendorf, IA 52722
18 Month Share Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
18 Month Certificate
$1,500
3.43%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.61% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
18 Month and Build CD
$1,000
3.40%
▲ 0.58% above national avg
▼
Rate3.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.58% above avg
Details
Interest Compounded and Credited Semi-Annually
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
317 3rd St, Ashton, IA 51232
18 Month Certificate of Deposit
$0
3.39%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.57% above avg
Details
APY* Quarterly
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 18 Month
$0
3.38%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.56% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Month Business Term Share Certificate
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Month Certificate and IRA
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
Balance: $100,000.00 & greater; Period: Quarterly
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
18 Month CD
$10,000
3.34%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.52% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
18 Month Time Certificate
$0
3.34%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.52% above avg
Details
Balance: $100,000.00+
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.31%
▲ 0.49% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.49% above avg
Details
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
402 N Main St, Allison, IA 50602
18 Month Certificate of Deposit (CD)
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 18 Month
$0
3.28%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.46% above avg
Details
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
18 Month Certificate
$10,000
3.25%
▲ 0.43% above national avg
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Iowa 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$100,000
4.35%
▲ 1.51% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
Balance: $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
24 Month JUMBO Certificate
$100,000
4.30%
▲ 1.46% above national avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Term: 24 months (Limited Time Special); Penalty for Early Withdrawal
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Balance: $225,000.00 and above
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month Certificate
$0
4.22%
▲ 1.38% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.38% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month Share Certificate
$1,000
4.20%
▲ 1.36% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Term: 24 months (Limited Time Special); Penalty for Early Withdrawal
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$2,000
4.19%
▲ 1.35% above national avg
▼
Rate4.15%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.35% above avg
Details
Balance: $2,000 to $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$1,000
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.32% above avg
Details
Balance: $100,000 & over
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.31% above avg
Details
Balance: $125,000.00-$224,999.99`
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month Certificate
$0
4.11%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.27% above avg
Details
Balance: $10,000 to $49,999.99
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA 50401 1522
24 Month Time Share Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
2 Year Certificates of Deposits (CDs)
$0
4.09%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.25% above avg
Details
Semi-Annually
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$1,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.22% above avg
Details
Balance: $1,000-$99,999
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
24 Month CD
$5,000
4.05%
▲ 1.21% above national avg
▼
Rate4.01%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details
Limited Time Only; Semi Annual
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.21% above avg
Details
Balance: $75,000.00-$124,999.99
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
Adjust-A-Rate CD - 24 Month
$1,000
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.20% above avg
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
24 Month CD
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Jumbo Certificates
$0
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.13% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month Youth Mini Certificates of Deposit
$0
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.13% above avg
Details
Balance: $250 - $1,000
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.13% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.13% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
24 Month Certificate
$0
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.11% above avg
Details
Diamond APY
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $500.00-$74,999.99
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
24 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.06% above avg
Details
Platinum APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Premier Certificates
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Youth Certificates
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
24 month CD Special
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
24-Month CD Special
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
CD special is available for a limited time! Rates may change without notice. Any fees incurred could reduce earnings. A penalty may be imposed for early withdrawal of funds.
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
24 Month Certificate
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: $100,000.00 and Over
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.92% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.92% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Base APY
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
24 Month Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
24 Month Certificate
$0
3.73%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.89% above avg
Details
Balance: $0.00 - $24,999.99
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
24 Month CD
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
CD Specials
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
24 Month Certificate of Deposit (CD)
$0
3.63%
▲ 0.79% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.79% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
24 Month Time Certificates of Deposit (CD)
$5,000
3.60%
▲ 0.76% above national avg
▼
Rate3.57%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
24 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
24 Month Traditional & Roth IRA CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
2 Year Share Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
24 Month Kids1st CDs
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
24 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 MONTH CERTIFICATE
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Iowa 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate of Deposit
$0
4.35%
▲ 1.59% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.59% above avg
Details
Balance: $100,000 and above
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate of Deposit
$0
4.19%
▲ 1.43% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.43% above avg
Details
Balance: $2,000 - $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$1,000
4.16%
▲ 1.40% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.40% above avg
Details
Balance: $100,000 & over
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$1,000
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.30% above avg
Details
Balance: $1,000-$99,999
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.26% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.26% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.16% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.16% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
Adjust-A-Rate CD - 36 Month
$1,000
3.89%
▲ 1.13% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.13% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Jumbo Certificates
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.11% above avg
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
36 month CD Special One Way
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.09% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.09% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
3 Year Certificates of Deposits (CDs)
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
Quarterly
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
36 Month Certificate
$0
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.03% above avg
Details
Balance: $100,000.00 and Over
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Premier Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.00% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
IRA 36 Month Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
36 Month JUMBO Certificate
$100,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Penalty for Early Withdrawal
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000 to $49,999.99
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
36 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
36 Month Traditional & Roth IRA CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
36 Month Certificate
$3,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$3,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
36 Month Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
**
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
3 Year Share Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
36 Month Share Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Penalty for Early Withdrawal
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
36 Month Certificate of Deposit (CD)
$0
3.63%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.87% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.84% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $50,000 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
36 Month Certificate
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
One Bump - Up per Term
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
36 Month Certificate
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.77% above avg
Details
Balance: $0.00 - $24,999.99
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 36 Month
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.77% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
36 Month Certificate of Deposit
$10,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $10,000 - $1,000
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Certificates
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.68% above avg
Details
Balance: $25,000-$49,999.99
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.64% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 36 Month
$0
3.38%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.62% above avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
36-month IRA
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.58% above avg
Details
Balance: $5,000-$24,999.99
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
36 Month Business Share Certificates
$0
3.31%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.55% above avg
Details
Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
36 Month Share Certificates
$1,000
3.31%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.55% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
36 Month Jumbo Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Iowa 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate of Deposit
$0
4.30%
▲ 1.53% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Balance: $100,000 and above
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
48 Month Certificate
$10,000
4.25%
▲ 1.48% above national avg
▼
Rate4.21%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$1,000
4.16%
▲ 1.39% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.39% above avg
Details
Balance: $100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate of Deposit
$0
4.14%
▲ 1.37% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.37% above avg
Details
Balance: $2,000 - $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.31% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.31% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$1,000
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.29% above avg
Details
Balance: $1,000-$99,999
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
48 Month Certificate
$0
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Balance: $100,000.00 and Over
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Jumbo Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.99% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
48 Month CD
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $10,000 to $49,999.99
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
4 Year Share Certificate
$500
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Premier Certificates
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.89% above avg
Details
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3230 Ridge Pt, Bettendorf, IA 52722
48-Month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
48 Month Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
48 Month Certificate
$5,000
3.64%
▲ 0.87% above national avg
▼
Rate3.61%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.87% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
4 Year Certificates of Deposits (CDs)
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Quarterly
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $50,000.00 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
48 Month Certificate
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
48 Month Certificate
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.76% above avg
Details
Balance: $0.00 - $24,999.99
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 48 Month
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.76% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
48 Month 1 Step Up Certificate of Deposit
$10,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $10,000 - $1,000
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA 50131 2945
48 Month Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.44%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.67% above avg
Details
Balance: $25,000.00-$49,999.99
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 48 Month
$0
3.38%
▲ 0.61% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.61% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
48 Month Time Certificates of Deposit (CD)
$2,500
3.35%
▲ 0.58% above national avg
▼
Rate3.32%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Certificates
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
48-month IRA
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.57% above avg
Details
Balance: $5,000.00-$24,999.99
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
48 Month Business Share Certificates
$0
3.33%
▲ 0.56% above national avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.56% above avg
Details
Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
48 Month Share Certificates
$1,000
3.33%
▲ 0.56% above national avg
▼
Rate3.28%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.56% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
126 S Market St, Solon, IA 52333
48 Month Certificate of Deposit
$1,000
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Compounding & Crediting Frequency: semi-annually
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
48 Month Jumbo Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Bridge Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
302 Highway 1 S, Mount Vernon, IA 52314
48 Month Certificate
$500
3.28%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.51% above avg
Details
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 48 Month
$0
3.28%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.51% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
48 Month and Access CD
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
Interest Compounded and Credited Semi-Annually
Iowa 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
5 Year Certificate of Deposit
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Balance: $100,000 and above
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$1,000
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.32% above avg
Details
Balance: $100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
5 Year Certificate of Deposit
$0
4.14%
▲ 1.30% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.30% above avg
Details
Balance: $2,000 - $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$1,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.22% above avg
Details
Balance: $1,000-$99,999
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.18% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.18% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month Certificate
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.07% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $10,000 to $49,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
60 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
60 Month Certificate
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Balance: $100,000.00 and Over
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
Adjust-A-Rate CD - 60 Month
$1,000
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.95% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
5 Year Share Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Jumbo Certificates
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
60 Month Certificate of Deposit (CD)
$0
3.63%
▲ 0.79% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.79% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Premier Certificates
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
60-month IRA
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $50,000 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
60 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
60 Month Jumbo Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
116 Main St, Williams, IA 50271
60 Month Certificate
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.69% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
60 Month Certificate
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.69% above avg
Details
Balance: $0.00 - $24,999.99
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
5 Year Certificates of Deposits (CDs)
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.69% above avg
Details
Semi-Annually
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 60 Month
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.69% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
60 Month 2 Step Ups Certificate of Deposit
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $10,000 - $1,000
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3098 Floyd Blvd, Sioux City, IA 51108
60 Month CDs
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Rates subject to change. Minimum balance required. Call Telco Triad for details.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3098 Floyd Blvd, Sioux City, IA 51108
60 Month Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
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: 1.98%
3098 Floyd Blvd, Sioux City, IA 51108
60 Month IRA Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA 52501 2020
5 Year Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
915 Short St Ste 105, Decorah, IA 52101 2412
60 Month Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
126 S Market St, Solon, IA 52333
60 Month Certificate of Deposit
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.61% above avg
Details
Compounding & Crediting Frequency: semi-annually
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.60% above avg
Details
Balance: $25,000-$49,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
Certificates of Deposit - 60 Month
$0
3.38%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.54% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.51% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
60 Month Business Share Certificates
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
60 Month Share Certificates
$1,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.50% above avg
Details
Balance: $5,000-$24,999.99
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
60-month CD
$25,000
3.29%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.45% above avg
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
2.952%
▲ 0.030 vs 7 days ago
Iowa 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD IA Avg
2.767%
▲ 0.021 vs 7 days ago
Iowa 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
1,251
CD Rates
Tracked in Iowa
Tracked in Iowa
68 Banks
39 Credit Unions
About Our Iowa CD Rate Database
MonitorBankRates tracks 1,251 CD rates from 68 banks and 39 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: 5 Star Community Credit Union offers a CD at 4.50% APY with a minimum deposit of $500. 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 39 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in 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: 107 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Iowa savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
$130/yr
At IA 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $130 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, 5 Star Community Credit Union is offering its 6 Month Share Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Luana Savings Bank is offering its 5 Year Certificate of Deposit at 4.30% 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:
- 5 Star Community Credit Union: 4.50% APY (6 Month Share Certificate)
- Luana Savings Bank: 4.35% APY (24 Month Certificate of Deposit)
- Cedar Falls Community Credit Union: 4.30% APY (18 Month JUMBO Certificate)
- Vibrant Credit Union: 4.25% APY (6-Month CD Special)
- Capra Bank: 4.25% APY (18-Month Bump-Up CD)
- Exchange State Bank Ames, IA: 4.25% APY (48 Month Certificate)
- Washington State Bank Washington, IA: 4.25% APY (24 Month CD Specials)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- Journey Credit Union: 4.23% APY (6 Month Jumbo Certificates)
- SSB West Des Moines, IA: 4.22% APY (24 Month Certificate)
Rates reflect recent verified offers available in Iowa. Last Updated: September 21, 2026
Iowa CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Iowa
Iowa CD Calculator
At today’s IA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Iowa CD LadderIA CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Iowa CD at 4.50% 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 2.952% 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: September 21, 2026
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