Iowa Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Iowa CD rates range from 0.35% to 4.80% APY, verified by MonitorBankRates as of October 13, 2026. Current Iowa CD rates include Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA 50309 2010A+5.0 ★Texas Ratio: 3.05%Real return: +2.00%APY minus CPI (February 2026) offering 60-Month Certificate at 4.80% APY, Marine Credit UnionMarine Credit Union915 Short St Ste 105, Decorah, IA 52101 2412A5.0 ★Texas Ratio: 13.08%Real return: +1.86%APY minus CPI (February 2026) offering Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY, Luana Savings BankLuana Savings Bank100 Harvest Dr, Luana, IA 52156A+5.0 ★Texas Ratio: 1.00%Real return: +1.70%APY minus CPI (February 2026) offering 36 Month Certificate at 4.50% APY, Fidelity Bank Savanna, ILFidelity Bank Savanna, IL177 S Jordan Creek Pkwy, West Des Moines, IA 50266A5.0 ★Texas Ratio: 7.99%Real return: +1.70%APY minus CPI (February 2026) offering 20-month special, with rollover into 24-month at time of maturity at 4.50% APY, and BankBank1831 2nd St, Coralville, IA 52241A+5.0 ★Texas Ratio: 5.26%Real return: +1.70%APY minus CPI (February 2026) offering IntraFi Network CD 3 Year at 4.50% APY. CD rates as of October 13, 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 4.80% APY from Serve Credit Union at 423 E Court Ave, Des Moines, IA 50309 2010. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Iowa
Iowa 3 Month CD Rates
MonitorBankRates Iowa Average · 3 Month CD1.91% APY▲ 0.02% from last weekNational 2.09%
The average 3-month CD rate in Iowa is 1.91% APY, compared with 2.09% nationally, as of October 13, 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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
4.06%
▲ 2.15% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 2.15% above avgNationally 2.09%
Details
Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
501 Linn St, Slater, IA 50244
3-Month CD Special
$1,000
4.00%
▲ 2.09% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 2.09% above avgNationally 2.09%
Details
Non-institutional funds only. Rate current as of 9/25/26.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 5 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
3 Month Youth Certificate
$100
4.00%
▲ 2.09% above Iowa avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.91%▲ 2.09% above avgNationally 2.09%
Details
Only available for members under age 18; $100 min, $30,000 max; Member may add to certificate balance at any time; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
3.96%
▲ 2.05% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 2.05% above avgNationally 2.09%
Details
Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
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%
▲ 2.00% above Iowa avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 2.00% above avgNationally 2.09%
Details
Deposit Amount: $100,000 and above
Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
309 1st St S, Farley, IA 52046
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.94% above Iowa avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Iowa Average1.91%▲ 1.94% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
3.85%
▲ 1.94% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.94% above avgNationally 2.09%
Details
Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
3 Month Certificate
$0
3.80%
▲ 1.89% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.89% above avgNationally 2.09%
Details
At Maturity
Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 2 times
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%
▲ 1.84% above Iowa avg
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.84% above avgNationally 2.09%
Details
Deposit Amount: $2,000 to $99,999.99
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
3.75%
▲ 1.84% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.84% above avgNationally 2.09%
Details
Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
114 Ely St, Rowley, IA 52329
3 month CD Special
$0
3.75%
▲ 1.84% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.84% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
3 Month Certificate
$5,000
3.75%
▲ 1.84% above Iowa avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average1.91%▲ 1.84% above avgNationally 2.09%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
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%
▲ 1.74% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.74% above avgNationally 2.09%
Details
Interest Compounded and Credited: At Maturity
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
3 Month Certificate
$1,000
3.60%
▲ 1.69% above Iowa avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 1.69% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 3, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month Certificate of Deposit
$0
3.55%
▲ 1.64% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.64% above avgNationally 2.09%
Details
Base Interest Rate (Consumer Rate Sheet): 3.50%
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
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%
▲ 1.53% above Iowa avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.53% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.44% APY · checked 7 times
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%
▲ 1.49% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.49% above avgNationally 2.09%
Details
Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
15 MONTH PENALTY=90 DAYS OF INTEREST
$5,000
3.28%
▲ 1.37% above Iowa avg
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.37% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.28% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
10 MONTH PENALTY=90 DAYS OF INTEREST
$5,000
3.25%
▲ 1.34% above Iowa avg
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.34% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
12 MONTH PENALTY=90 DAYS OF INTEREST
$1,000
3.25%
▲ 1.34% above Iowa avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.34% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
12 MONTH SILVER PENALTY=90 DAYS OF INTEREST
$25,000
3.25%
▲ 1.34% above Iowa avg
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.34% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
182 DAY PENALTY=90 DAYS OF INTEREST
$1,000
3.25%
▲ 1.34% above Iowa avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 1.34% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 11, 2026 · 3.25% APY
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
3 Month CD
$10,000
3.19%
▲ 1.28% above Iowa avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.28% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.19% APY · checked 7 times
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%
▲ 1.23% above Iowa avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 1.23% above avgNationally 2.09%
Details
Balance: $100,000 & over
Rate History
No change since Sep 20, 2026 · 3.14% APY · checked 6 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$1,000
3.03%
▲ 1.12% above Iowa avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 1.12% above avgNationally 2.09%
Details
Balance: $1,000-$99,999
Rate History
No change since Sep 20, 2026 · 3.03% APY · checked 6 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4530 Singing Hills Blvd, Sioux City, IA 51106
3 MONTH CERTIFICATE
$2,500
3.02%
▲ 1.11% above Iowa avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average1.91%▲ 1.11% above avgNationally 2.09%
Details
Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 4 times
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%
▲ 1.09% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▲ 1.09% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 7 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
3 Month CD
$500
2.95%
▲ 1.04% above Iowa avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 1.04% above avgNationally 2.09%
Details
Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 4 times
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
100 S Cherry St, Mount Pleasant, IA 52641
3 Month Share Certificate
$500
2.85%
▲ 0.94% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.91%▲ 0.94% above avgNationally 2.09%
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.84%
▲ 0.93% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.93% above avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 12, 2026 · 2.84% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.79%
▲ 0.88% above Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.88% above avgNationally 2.09%
Details
Balance: $50,000 - $89,999
Rate History
No change since Oct 12, 2026 · 2.79% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.74%
▲ 0.83% above Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.83% above avgNationally 2.09%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 12, 2026 · 2.74% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
13300 Hickman Rd, Clive, IA 50325 8616
3 Month Share Certificates and IRAs
$0
2.69%
▲ 0.78% above Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.78% above avgNationally 2.09%
Details
Balance: $250 - $9,999
Rate History
No change since Oct 12, 2026 · 2.69% APY
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
2.65%
▲ 0.74% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.74% above avgNationally 2.09%
Details
Balance: $50,000 - $99,999
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
3 Month Certificate
$1,000
2.37%
▲ 0.46% above Iowa avg
▼
Rate2.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.46% above avgNationally 2.09%
Details
@Maturity
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 6 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month Certificate
$50,000
2.27%
▲ 0.36% above Iowa avg
▼
Rate2.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.36% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Yale, IA 50277
3 Month Certificate
$500
2.27%
▲ 0.36% above Iowa avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.36% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Unite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.08%
802 W 29th St, Cedar Falls, IA 50613 5022
3-Month Certificate
$0
2.25%
▲ 0.34% above Iowa avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.91%▲ 0.34% above avgNationally 2.09%
Details
Open online; Penalty for Early Withdrawal; Interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month Certificate
$15,000
2.17%
▲ 0.26% above Iowa avg
▼
Rate2.15%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.26% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 3 times
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
2.14%
▲ 0.23% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.23% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 8, 2026 · 2.14% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month Certificate
$1,000
2.07%
▲ 0.16% above Iowa avg
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.16% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificate
$50,000
2.07%
▲ 0.16% above Iowa avg
▼
Rate2.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.16% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificate
$15,000
2.05%
▲ 0.14% above Iowa avg
▼
Rate2.03%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.14% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day Certificate
$2,500
2.03%
▲ 0.12% above Iowa avg
▼
Rate2.01%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.12% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.03% APY · checked 3 times
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
317 3rd St, Ashton, IA 51232
3 Month Certificate of Deposit
$1,000
2.02%
▲ 0.11% above Iowa avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▲ 0.11% above avgNationally 2.09%
Details
APY* Quarterly
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
802 W Jasper St, Pleasantville, IA 50225
3-Months CD
$0
2.00%
▲ 0.09% above Iowa avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▲ 0.09% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
219 Main St, Sanborn, IA 51248
90 Day CD
$0
1.86%
▼ 0.05% below Iowa avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average1.91%▼ 0.05% below avgNationally 2.09%
Details
Rate History
1 change since Sep 7, 2026 · 1.81% → 1.86% ▲ 0.05 pts · high 1.86% / low 1.81%
- Sep 24, 20261.86%▲ from 1.81%
- Sep 7, 20261.81%first recorded
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
203 Crestwood Ave, Bremer, IA 50677
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.07% below Iowa avg
▼
Rate1.83%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.91%▼ 0.07% below avgNationally 2.09%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Rate History
No change since Sep 19, 2026 · 1.84% APY · checked 7 times
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
1.64%
▼ 0.27% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.91%▼ 0.27% below avgNationally 2.09%
Details
Balance: $10,000 - $24,999
Rate History
No change since Oct 8, 2026 · 1.64% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
3 Month Jumbo Certificates
$0
1.55%
▼ 0.36% below Iowa avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.91%▼ 0.36% below avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 3 times
Iowa 6 Month CD Rates
MonitorBankRates Iowa Average · 6 Month CD2.68% APY▼ 0.02% from last weekNational 2.78%
The average 6-month CD rate in Iowa is 2.68% APY, compared with 2.78% nationally, as of October 13, 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: 6.47%
100 S Cherry St, Mount Pleasant, IA 52641
6 Month Share Certificate
$500
4.50%
▲ 1.82% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.82% above avgNationally 2.78%
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
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
4.32%
▲ 1.64% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.64% above avgNationally 2.78%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%
- Oct 3, 20264.32%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.22%
- Sep 20, 20264.22%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
3230 Ridge Pt, Bettendorf, IA 52722
6-Month CD Special
$0
4.25%
▲ 1.57% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.57% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
6 Month JUMBO Certificate
$100,000
4.25%
▲ 1.57% above Iowa avg
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.57% above avgNationally 2.78%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
6 Month CD
$100,000
4.24%
▲ 1.56% above Iowa avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.56% above avgNationally 2.78%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.19% → 4.24% ▲ 0.05 pts · high 4.24% / low 4.19%
- Oct 7, 20264.24%▲ from 4.19%
- Sep 18, 20264.19%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Jumbo Certificate
$100,000
4.23%
▲ 1.55% above Iowa avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.55% above avgNationally 2.78%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
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%
▲ 1.54% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.54% above avgNationally 2.78%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
- Oct 3, 20264.22%▲ from 4.16%
- Sep 24, 20264.16%▲ from 4.11%
- Sep 20, 20264.11%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
6 Month Share Certificate
$1,000
4.15%
▲ 1.47% above Iowa avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.47% above avgNationally 2.78%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Premier Certificates
$0
4.13%
▲ 1.45% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.45% above avgNationally 2.78%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.13% ▲ 0.06 pts · high 4.13% / low 4.07%
- Sep 18, 20264.13%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
6-Month Certificate
$1,000
4.13%
▲ 1.45% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.45% above avgNationally 2.78%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
6 Month Certificate
$500
4.10%
▲ 1.42% above Iowa avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.42% above avgNationally 2.78%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
6 Month CD
$2,000
4.09%
▲ 1.41% above Iowa avg
▼
Rate4.05%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.41% above avgNationally 2.78%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.09% ▲ 0.05 pts · high 4.09% / low 4.04%
- Oct 7, 20264.09%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.37% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.68%▲ 1.37% above avgNationally 2.78%
Details
Balance: $100,000.00 and greater
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Certificate
$100,000
4.05%
▲ 1.37% above Iowa avg
▼
Rate3.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.68%▲ 1.37% above avgNationally 2.78%
Details
Member Loyalty APY: 4.20%; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
6 Month CD Options
$0
4.04%
▲ 1.36% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.36% above avgNationally 2.78%
Details
Rate History
No change since Sep 19, 2026 · 4.04% APY · checked 6 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
6 Month Special CDs
$0
4.04%
▲ 1.36% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.36% above avgNationally 2.78%
Details
Deposit Amount: => $100,000
Rate History
No change since Sep 30, 2026 · 4.04% APY · checked 4 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
Special CDs - 6 Months
$0
4.04%
▲ 1.36% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.36% above avgNationally 2.78%
Details
Deposit Amount: => $100,000
Rate History
No change since Oct 6, 2026 · 4.04% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
24 MONTH SILVER PENALTY=180 DAYS OF INTEREST
$25,000
4.04%
▲ 1.36% above Iowa avg
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.68%▲ 1.36% above avgNationally 2.78%
Details
PENALTY=180 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 4.04% APY · checked 2 times
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
109 N Madison St, Bloomfield, IA 52537
6 Month CD Special
$25,000
4.02%
▲ 1.34% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.34% above avgNationally 2.78%
Details
Contact customer service at 641-664-2265 to learn more!
Rate History
No change since Sep 27, 2026 · 4.02% APY · checked 4 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Youth Certificates
$0
4.02%
▲ 1.34% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.34% above avgNationally 2.78%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.02% ▲ 0.31 pts · high 4.02% / low 3.71%
- Sep 18, 20264.02%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
6-Month Certificate
$1,000
4.02%
▲ 1.34% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.34% above avgNationally 2.78%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
6 Month IRA Share Certificates
$250
4.01%
▲ 1.33% above Iowa avg
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.33% above avgNationally 2.78%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 6-month
$5,000
4.01%
▲ 1.33% above Iowa avg
▼
Rate3.95%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.33% above avgNationally 2.78%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 5 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
6 Month Certificate Special
$0
4.00%
▲ 1.32% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.32% above avgNationally 2.78%
Details
Minimum Balance to Earn Dividends: $1,000; APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required
Rate History
No change since Oct 13, 2026 · 4.00% APY
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.27% above Iowa avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.68%▲ 1.27% above avgNationally 2.78%
Details
Balance: $1.00.00-99.999.99
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Month Certificate
$1,000
3.95%
▲ 1.27% above Iowa avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.68%▲ 1.27% above avgNationally 2.78%
Details
Member Loyalty APY: 4.10%; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
4343 Utica Ridge Rd, Bettendorf, IA 52722
6 Month Share Certificate
$0
3.92%
▲ 1.24% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.24% above avgNationally 2.78%
Details
Dividend Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
6-Month Certificate
$1,000
3.92%
▲ 1.24% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.24% above avgNationally 2.78%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.92% ▲ 0.52 pts · high 3.92% / low 3.40%
- Oct 9, 20263.92%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
159 Colorado St, Muscatine, IA 52761
6 Month CD
$0
3.90%
▲ 1.22% above Iowa avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.22% above avgNationally 2.78%
Details
Not applicable to IRAs; Renewal: Automatic; Rates effective 11/10/25
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
6 Month Certificate
$0
3.89%
▲ 1.21% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.21% above avgNationally 2.78%
Details
Semi-Annually
Rate History
No change since Sep 7, 2026 · 3.89% APY · checked 2 times
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
3.89%
▲ 1.21% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.21% above avgNationally 2.78%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 3.68% → 3.89% ▲ 0.21 pts · high 3.89% / low 3.68%
- Sep 24, 20263.89%▲ from 3.68%
- Sep 14, 20263.68%first recorded
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
317 3rd St, Ashton, IA 51232
6 Month Certificate of Deposit
$1,000
3.85%
▲ 1.17% above Iowa avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.17% above avgNationally 2.78%
Details
APY* Quarterly
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Sep 24, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
2811 E 13th St, Ames, IA 50010
6 Month Share Certificate
$0
3.82%
▲ 1.14% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.14% above avgNationally 2.78%
Details
Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
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
$50,000
3.80%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.12% above avgNationally 2.78%
Details
Balance: $50,000 to $245,000
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 5 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
6 Month Certificates of Deposit (CDs)
$500
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.78%
Details
Rate History
No change since Oct 6, 2026 · 3.79% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
6 Month Special CDs
$0
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.78%
Details
Deposit Amount: < $100,000
Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 4 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
Certificates of Deposit (CDs) - 6 Months
$500
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.78%
Details
Rate History
No change since Oct 6, 2026 · 3.79% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
IRA 6 MONTH CD
$100
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.78%
Details
Rate History
No change since Sep 30, 2026 · 3.79% APY · checked 4 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
Special CDs - 6 Months
$0
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.78%
Details
Deposit Amount: < $100,000
Rate History
No change since Oct 6, 2026 · 3.79% APY · checked 2 times
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
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.78%
Details
Balance: $10,000+
Rate History
1 change since Sep 14, 2026 · 3.68% → 3.79% ▲ 0.11 pts · high 3.79% / low 3.68%
- Sep 24, 20263.79%▲ from 3.68%
- Sep 14, 20263.68%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Certificates
$0
3.76%
▲ 1.08% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.08% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Sep 18, 20263.76%▲ from 3.66%
- Sep 14, 20263.66%first recorded
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
$10,000
3.75%
▲ 1.07% above Iowa avg
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.07% above avgNationally 2.78%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 5 times
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1602 S MONROE AVE, MASON CITY, IA 50401
6 Month Certificate
$0
3.74%
▲ 1.06% above Iowa avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.68%▲ 1.06% above avgNationally 2.78%
Details
Rate History
No change since Sep 21, 2026 · 3.74% APY · checked 3 times
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
2811 E 13th St, Ames, IA 50010
6 Month Share Certificate
$0
3.71%
▲ 1.03% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.68%▲ 1.03% above avgNationally 2.78%
Details
Balance: $10,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 4 times
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
$2,000
3.70%
▲ 1.02% above Iowa avg
▼
Rate3.65%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.68%▲ 1.02% above avgNationally 2.78%
Details
Balance: $2,000 to $9,999.99
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 5 times
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%
▲ 1.00% above Iowa avg
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.68%▲ 1.00% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 4 times
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
6 Month Certificates of Deposit
$25,000
3.68%
▲ 1.00% above Iowa avg
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.00% above avgNationally 2.78%
Details
Minimum Balance: $25,000 Minimum
Rate History
No change since Sep 24, 2026 · 3.68% APY · checked 5 times
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%
▲ 1.00% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.68%▲ 1.00% above avgNationally 2.78%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
6 Month Certificate
$1,000
3.66%
▲ 0.98% above Iowa avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.68%▲ 0.98% above avgNationally 2.78%
Details
@Maturity
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
6 Month Certificate
$10,000
3.65%
▲ 0.97% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.68%▲ 0.97% above avgNationally 2.78%
Details
Rate History
No change since Oct 3, 2026 · 3.65% APY · checked 3 times
Iowa 12 Month CD Rates
MonitorBankRates Iowa Average · 12 Month CD2.85% APY▲ 0.02% from last weekNational 2.99%
The average 12-month CD rate in Iowa is 2.85% APY, compared with 2.99% nationally, as of October 13, 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: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
12 Month JUMBO Certificate
$100,000
4.40%
▲ 1.55% above Iowa avg
▼
Rate4.33%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.55% above avgNationally 2.99%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 9, 20264.40%▲ from 4.25%
- Sep 18, 20264.25%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
6-12 Month CD Special
$0
4.35%
▲ 1.50% above Iowa avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.50% above avgNationally 2.99%
Details
Rate History
1 change since Oct 3, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 8, 20264.35%▲ from 4.15%
- Oct 3, 20264.15%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month CD
$100,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.30% ▲ 0.06 pts · high 4.30% / low 4.24%
- Oct 7, 20264.30%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
124 1st St Se, Waverly, IA 50677
12 Month Certificate
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
12 Month Certificate
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Balance: $100,000.00 and Over
Rate History
1 change since Sep 19, 2026 · 3.89% → 4.30% ▲ 0.41 pts · high 4.30% / low 3.89%
- Oct 7, 20264.30%▲ from 3.89%
- Sep 19, 20263.89%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
IRA, SEP, KEOGH 12 Month
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Balance: $100,000+
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
12 Month Certificate of Deposit
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
12 Month Share Certificate
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 9, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
12 Month Certificate
$500
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- Sep 27, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$1,000
4.27%
▲ 1.42% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.42% above avgNationally 2.99%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
10-month special, with rollover into 12-month at time of maturity
$0
4.25%
▲ 1.40% above Iowa avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.40% above avgNationally 2.99%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12 Month Youth Mini Certificates of Deposit
$0
4.23%
▲ 1.38% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.38% above avgNationally 2.99%
Details
Balance: $250 - $1,000; Members ages 17 and under
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71%
- Oct 9, 20264.23%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12-Month Certificate
$1,000
4.23%
▲ 1.38% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.38% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71%
- Oct 9, 20264.23%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 12 Month Certificate
$1,000
4.23%
▲ 1.38% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.38% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
12 Month CD Special
$0
4.20%
▲ 1.35% above Iowa avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.35% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 8, 20264.20%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Jumbo Certificate
$100,000
4.18%
▲ 1.33% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.33% above avgNationally 2.99%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$1,000
4.16%
▲ 1.31% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.31% above avgNationally 2.99%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15%
▲ 1.30% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.30% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month CD
$2,000
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.14% ▲ 0.05 pts · high 4.14% / low 4.09%
- Oct 7, 20264.14%▲ from 4.09%
- Sep 18, 20264.09%first recorded
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
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.14% ▲ 0.10 pts · high 4.14% / low 4.04%
- Sep 27, 20264.14%▲ from 4.04%
- Sep 18, 20264.04%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
12 Month Certificate
$0
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Balance: $0.00 - $24,999.99
Rate History
1 change since Sep 19, 2026 · 3.73% → 4.14% ▲ 0.41 pts · high 4.14% / low 3.73%
- Oct 7, 20264.14%▲ from 3.73%
- Sep 19, 20263.73%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
12 Month IRA Certificate
$0
4.14%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.29% above avgNationally 2.99%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 4.14% APY · checked 6 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12-Month Certificate
$1,000
4.13%
▲ 1.28% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.28% above avgNationally 2.99%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 12 Month Certificate
$1,000
4.13%
▲ 1.28% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.28% above avgNationally 2.99%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
4.10%
▲ 1.25% above Iowa avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.25% above avgNationally 2.99%
Details
Balance: $25,000 and above
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 3, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Individual Retirement Account Certificates - 12-month IRA
$0
4.10%
▲ 1.25% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.25% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.10% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Premier Certificates
$0
4.07%
▲ 1.22% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.22% above avgNationally 2.99%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.07% ▲ 0.05 pts · high 4.07% / low 4.02%
- Sep 18, 20264.07%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$25,000
4.06%
▲ 1.21% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Rate History
1 change since Sep 7, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 7, 20264.06%▲ from 3.80%
- Sep 7, 20263.80%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month Certificate
$50,000
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Balance: $50,000 to $245,000
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 5 times
Sloan State Bank
Institution Rating:
C3.7 ★Texas Ratio: 21.53%
302 4th St, Sloan, IA 51055
12 Month Certificate Special
$20,000
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 11, 20264.06%▲ from 3.29%
- Sep 19, 20263.29%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Certificate
$0
4.06%
▲ 1.21% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Dividends compounded quarterly
Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 3 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Incredible Certificate
$0
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Limited time only; Minimum $10,000; Dividends are compounded quarterly
Rate History
No change since Oct 13, 2026 · 4.06% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Certificates: minimum - 12 month
$0
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
$10,000; Dividend rate and APY fixed for the term; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.06% APY
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
4.05%
▲ 1.20% above Iowa avg
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.20% above avgNationally 2.99%
Details
Balance: $10,000-24,999
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 3, 20264.05%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
12 Month Jumbo Certificates
$0
4.05%
▲ 1.20% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.20% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
- Oct 13, 20264.05%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
1 Year Certificate
$0
4.04%
▲ 1.19% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.19% above avgNationally 2.99%
Details
Semi-Annually
Rate History
No change since Sep 7, 2026 · 4.04% APY · checked 2 times
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
4.04%
▲ 1.19% above Iowa avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.19% above avgNationally 2.99%
Details
Rate History
1 change since Sep 7, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 7, 20264.04%▲ from 3.79%
- Sep 7, 20263.79%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Youth Certificates
$0
4.02%
▲ 1.17% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
- Sep 18, 20264.02%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12-Month Certificate
$1,000
4.02%
▲ 1.17% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 12 Month Certificate
$1,000
4.02%
▲ 1.17% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.17% above avgNationally 2.99%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.02% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month Certificate
$10,000
4.01%
▲ 1.16% above Iowa avg
▼
Rate3.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.16% above avgNationally 2.99%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 5 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
12 Month CD Options
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$500
4.00%
▲ 1.15% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 7, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 7, 20263.75%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Month Certificates of Deposit
$15,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 12 Months
$500
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
12 Month CD Special
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $1,000-9,999
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 3, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CUSB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 N Elm St, Cresco, IA 52136
12 Month CD
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
**Substantial penalty for early withdrawal.
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
13300 Hickman Rd, Clive, IA 50325 8616
Grow & Go Certificate - 12 Months
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Dividend rate shown as 3.92%; APY shown as 4.00%
Rate History
No change since Oct 12, 2026 · 4.00% APY
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2920 Gordon Dr, Sioux City, IA 51105
Certificate 12 Months
$1,000
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.00% ▲ 0.09 pts · high 4.00% / low 3.91%
- Oct 5, 20264.00%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Iowa 18 Month CD Rates
MonitorBankRates Iowa Average · 18 Month CD2.83% APYUnchanged from last weekNational 2.87%
The average 18-month CD rate in Iowa is 2.83% APY, compared with 2.87% nationally, as of October 13, 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
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
116 Main St, Williams, IA 50271
18-month Special CD
$0
4.45%
▲ 1.62% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.62% above avgNationally 2.87%
Details
Special
Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 3 times
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
4.40%
▲ 1.57% above Iowa avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.57% above avgNationally 2.87%
Details
Deposit Amount: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.40% ▲ 0.16 pts · high 4.40% / low 4.24%
- Oct 7, 20264.40%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
18 Month Certificate
$500
4.40%
▲ 1.57% above Iowa avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.83%▲ 1.57% above avgNationally 2.87%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
124 1st St Se, Waverly, IA 50677
18 Month Certificate
$0
4.30%
▲ 1.47% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.47% above avgNationally 2.87%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
18 Month JUMBO Certificate
$100,000
4.30%
▲ 1.47% above Iowa avg
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 1.47% above avgNationally 2.87%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 3 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
955 Washington St, Dubuque, IA 52001
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.42% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 1.42% above avgNationally 2.87%
Details
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
18 Month CD Special
$0
4.25%
▲ 1.42% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.42% above avgNationally 2.87%
Details
Rate History
1 change since Sep 24, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 8, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate of Deposit
$2,000
4.24%
▲ 1.41% above Iowa avg
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.41% above avgNationally 2.87%
Details
Deposit Amount: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.24% ▲ 0.15 pts · high 4.24% / low 4.09%
- Oct 7, 20264.24%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
18 Month Share Certificate
$1,000
4.20%
▲ 1.37% above Iowa avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 1.37% above avgNationally 2.87%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
18 Month Certificate
$1,000
4.15%
▲ 1.32% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.32% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 3, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3600 Lafayette Rd, Evansdale, IA 50707
18 Month CD Special
$25,000
4.15%
▲ 1.32% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.32% above avgNationally 2.87%
Details
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3600 Lafayette Rd, Evansdale, IA 50707
18 Month Certificate
$25,000
4.15%
▲ 1.32% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.32% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
18 Month Certificate
$0
4.14%
▲ 1.31% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.31% above avgNationally 2.87%
Details
Balance: $100,000.00 and Over
Rate History
1 change since Sep 19, 2026 · 3.84% → 4.14% ▲ 0.30 pts · high 4.14% / low 3.84%
- Oct 7, 20264.14%▲ from 3.84%
- Sep 19, 20263.84%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
IRA, SEP, KEOGH 18 Month
$0
4.14%
▲ 1.31% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.31% above avgNationally 2.87%
Details
Balance: $100,000+
Rate History
No change since Oct 7, 2026 · 4.14% APY · checked 3 times
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
18 Month Adjust-A-Rate CD
$1,000
4.14%
▲ 1.31% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 1.31% above avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 4.14% APY · checked 5 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
Certificate Specials - 18 Months
$0
4.08%
▲ 1.25% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 1.25% above avgNationally 2.87%
Details
New Money only brought in from other financials; no existing funds are eligible
Rate History
1 change since Sep 14, 2026 · 3.46% → 4.08% ▲ 0.62 pts · high 4.08% / low 3.46%
- Oct 9, 20264.08%▲ from 3.46%
- Sep 14, 20263.46%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
4.06%
▲ 1.23% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.23% above avgNationally 2.87%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3600 Lafayette Rd, Evansdale, IA 50707
18 Month CD Special
$5,000
4.05%
▲ 1.22% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.22% above avgNationally 2.87%
Details
Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 3 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3600 Lafayette Rd, Evansdale, IA 50707
18 Month Certificate
$5,000
4.05%
▲ 1.22% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.22% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
18 Month Certificate
$0
4.04%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.21% above avgNationally 2.87%
Details
Semi-Annually
Rate History
No change since Sep 7, 2026 · 4.04% APY · checked 2 times
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
4.04%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.21% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.58% → 4.04% ▲ 0.46 pts · high 4.04% / low 3.58%
- Oct 3, 20264.04%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
18 Month CD Options
$0
4.01%
▲ 1.18% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.18% above avgNationally 2.87%
Details
Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$15,000
4.00%
▲ 1.17% above Iowa avg
▼
Rate3.94%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 1.17% above avgNationally 2.87%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 18 Months
$500
4.00%
▲ 1.17% above Iowa avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 1.17% above avgNationally 2.87%
Details
Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
18 Month CD Special
$1,000
4.00%
▲ 1.17% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.17% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
125 W 4th St, Spencer, IA 51301
7 - 18 Month Certificate of Deposit
$5,000
4.00%
▲ 1.17% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.17% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
125 W 4th St, Spencer, IA 51301
Certificate of Deposit - 7-18 Month
$5,000
4.00%
▲ 1.17% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 1.17% above avgNationally 2.87%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
18 Month Certificate
$0
3.99%
▲ 1.16% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.16% above avgNationally 2.87%
Details
Balance: $0.00 - $24,999.99
Rate History
1 change since Sep 19, 2026 · 3.73% → 3.99% ▲ 0.26 pts · high 3.99% / low 3.73%
- Oct 7, 20263.99%▲ from 3.73%
- Sep 19, 20263.73%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
18 Month IRA Certificate
$0
3.99%
▲ 1.16% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 1.16% above avgNationally 2.87%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 3.99% APY · checked 6 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$1,000
3.85%
▲ 1.02% above Iowa avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 1.02% above avgNationally 2.87%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
18 Month Certificate
$10,000
3.85%
▲ 1.02% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 1.02% above avgNationally 2.87%
Details
Rate History
No change since Oct 3, 2026 · 3.85% APY · checked 3 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
18 Month IRA Share Certificates
$250
3.81%
▲ 0.98% above Iowa avg
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.98% above avgNationally 2.87%
Details
Penalty: 6 month
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 18-month
$5,000
3.81%
▲ 0.98% above Iowa avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.98% above avgNationally 2.87%
Details
Penalty: 6 month
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Certificate
$0
3.80%
▲ 0.97% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.97% above avgNationally 2.87%
Details
Dividends compounded quarterly
Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 3 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Incredible Certificate
$0
3.80%
▲ 0.97% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.97% above avgNationally 2.87%
Details
Limited time only; Minimum $10,000; Dividends are compounded quarterly
Rate History
No change since Oct 13, 2026 · 3.80% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Certificates: minimum - 18 month
$0
3.80%
▲ 0.97% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.97% above avgNationally 2.87%
Details
$10,000; Dividend rate and APY fixed for the term; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.80% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.76%
▲ 0.93% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 0.93% above avgNationally 2.87%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 3.76% APY · checked 5 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
18 Month Special Certificates
$0
3.76%
▲ 0.93% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.93% above avgNationally 2.87%
Details
$10,000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71%
- Sep 18, 20263.76%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
18 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
Certificates of Deposit (CDs) - 18 Months
$500
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
IRA 18 MONTH CD
$100
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 4 times
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
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Interest Compounded and Credited: Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 3, 20263.75%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
18 Month CD
$0
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Balance: $500+; CD Specials
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
104 W Anson St, Marshalltown, IA 50158
18 Month IRA Certificates of Deposit
$500
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Special - limited time; Penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
104 W Anson St, Marshalltown, IA 50158
Certificates of Deposit (CDs) - 18 months special
$500
3.75%
▲ 0.92% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.92% above avgNationally 2.87%
Details
Limited time special; penalty for early withdrawal; rate subject to change without notice
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
18 Month Certificate
$1,000
3.71%
▲ 0.88% above Iowa avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.83%▲ 0.88% above avgNationally 2.87%
Details
Semi-Annually
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
317 3rd St, Ashton, IA 51232
18 Month Certificate of Deposit
$1,000
3.65%
▲ 0.82% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 0.82% above avgNationally 2.87%
Details
APY* Quarterly
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.65% ▲ 0.26 pts · high 3.65% / low 3.39%
- Sep 24, 20263.65%▲ from 3.39%
- Sep 14, 20263.39%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
18 Month CD
$25,000
3.60%
▲ 0.77% above Iowa avg
▼
Rate3.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.83%▲ 0.77% above avgNationally 2.87%
Details
Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 7 times
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
159 Colorado St, Muscatine, IA 52761
18 Month CD
$0
3.60%
▲ 0.77% above Iowa avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.83%▲ 0.77% above avgNationally 2.87%
Details
Renewal: Automatic; Rates effective 11/10/25
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.56%
▲ 0.73% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.83%▲ 0.73% above avgNationally 2.87%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 5 times
Iowa 24 Month CD Rates
MonitorBankRates Iowa Average · 24 Month CD2.73% APYUnchanged from last weekNational 2.88%
The average 24-month CD rate in Iowa is 2.73% APY, compared with 2.88% nationally, as of October 13, 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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month CD
$0
4.65%
▲ 1.92% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
As High As; $1,000 minimum balance required to obtain stated APY in each term tier; Annual Percentage Yield accurate as of 10/1/2026 and subject to change without notice; Penalty for early withdrawal; interest compounds daily and is credited monthly and at maturity
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month Youth Mini Certificates of Deposit
$0
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $250 - $1,000; Members ages 17 and under
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24-Month Certificate
$1,000
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24-Month Certificate
$1,000
4.55%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.82% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.55%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.82% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 2 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
20-month special, with rollover into 24-month at time of maturity
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3124 4th St SW, Mason City, IA 50401 1522
24 Month Time Share Certificate
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Time Share Certificates
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 9, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
IntraFi Network CD 2 Year
$100,000
4.47%
▲ 1.74% above Iowa avg
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.74% above avgNationally 2.88%
Details
Treasury Rates**: 4.77%
Rate History
No change since Oct 12, 2026 · 4.47% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24-Month Certificate
$1,000
4.44%
▲ 1.71% above Iowa avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.71% above avgNationally 2.88%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Oct 9, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.44%
▲ 1.71% above Iowa avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.71% above avgNationally 2.88%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.44% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$100,000
4.40%
▲ 1.67% above Iowa avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.67% above avgNationally 2.88%
Details
Deposit Amount: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 7, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month JUMBO Certificate
$100,000
4.35%
▲ 1.62% above Iowa avg
▼
Rate4.28%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.62% above avgNationally 2.88%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 9, 20264.35%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
124 1st St Se, Waverly, IA 50677
24 Month Certificate
$0
4.30%
▲ 1.57% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.57% above avgNationally 2.88%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
24 Month CD
$5,000
4.30%
▲ 1.57% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.57% above avgNationally 2.88%
Details
Limited Time Only
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 7, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$1,000
4.27%
▲ 1.54% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.54% above avgNationally 2.88%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$225,000
4.25%
▲ 1.52% above Iowa avg
▼
Rate4.18%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.52% above avgNationally 2.88%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month Share Certificate
$1,000
4.25%
▲ 1.52% above Iowa avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.52% above avgNationally 2.88%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 9, 20264.25%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
24 Month Certificate
$500
4.25%
▲ 1.52% above Iowa avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.73%▲ 1.52% above avgNationally 2.88%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 27, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$2,000
4.24%
▲ 1.51% above Iowa avg
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.51% above avgNationally 2.88%
Details
Deposit Amount: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.19% → 4.24% ▲ 0.05 pts · high 4.24% / low 4.19%
- Oct 7, 20264.24%▲ from 4.19%
- Sep 18, 20264.19%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month Certificate
$50,000
4.22%
▲ 1.49% above Iowa avg
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.49% above avgNationally 2.88%
Details
Balance: $50,000 to $245,000
Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 5 times
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%
▲ 1.43% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.43% above avgNationally 2.88%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
24 Month Certificate
$1,000
4.15%
▲ 1.42% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 3, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$125,000
4.15%
▲ 1.42% above Iowa avg
▼
Rate4.09%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.42% above avgNationally 2.88%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Sep 20, 2026 · 4.15% APY · checked 6 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
24 Month Certificate
$0
4.14%
▲ 1.41% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.41% above avgNationally 2.88%
Details
Balance: $100,000.00 and Over
Rate History
1 change since Sep 19, 2026 · 3.84% → 4.14% ▲ 0.30 pts · high 4.14% / low 3.84%
- Oct 7, 20264.14%▲ from 3.84%
- Sep 19, 20263.84%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
IRA, SEP, KEOGH 24 Month
$0
4.14%
▲ 1.41% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.41% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Oct 7, 2026 · 4.14% APY · checked 3 times
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
$10,000
4.11%
▲ 1.38% above Iowa avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.38% above avgNationally 2.88%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Sep 19, 2026 · 4.11% APY · checked 5 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
2 Year Certificate
$0
4.09%
▲ 1.36% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.36% above avgNationally 2.88%
Details
Semi-Annually
Rate History
No change since Sep 7, 2026 · 4.09% APY · checked 2 times
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
24-month CD
$25,000
4.06%
▲ 1.33% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.33% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
- Oct 7, 20264.06%▲ from 3.03%
- Sep 7, 20263.03%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month Certificate
$2,000
4.06%
▲ 1.33% above Iowa avg
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.33% above avgNationally 2.88%
Details
Balance: $2,000 to $9,999.99
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 5 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
114 Ely St, Rowley, IA 52329
24 month CD Special
$0
4.05%
▲ 1.32% above Iowa avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
114 Ely St, Rowley, IA 52329
24-Month CD Special
$500
4.05%
▲ 1.32% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.32% above avgNationally 2.88%
Details
Hurry, this short-term CD special offer is available for a limited time! Rates effective as of September 21, 2026. Member FDIC.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$500
4.05%
▲ 1.32% above Iowa avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.32% above avgNationally 2.88%
Details
Deposit Amount: $500.00-$124,999.99; Compounding: Quarterly
Rate History
1 change since Sep 20, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 3, 20264.05%▲ from 3.95%
- Sep 20, 20263.95%first recorded
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
24-month CD
$5,000
4.04%
▲ 1.31% above Iowa avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
- Oct 7, 20264.04%▲ from 3.02%
- Sep 7, 20263.02%first recorded
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
24 Month Adjust-A-Rate CD
$1,000
4.04%
▲ 1.31% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
24 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.31% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
24-month CD
$500
4.00%
▲ 1.27% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 7, 20264.00%▲ from 3.00%
- Sep 7, 20263.00%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$15,000
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.94%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 24 Months
$500
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
24 Month CD Special
$1,000
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
24 Month Certificate
$0
3.99%
▲ 1.26% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.26% above avgNationally 2.88%
Details
Balance: $0.00 - $24,999.99
Rate History
1 change since Sep 19, 2026 · 3.73% → 3.99% ▲ 0.26 pts · high 3.99% / low 3.73%
- Oct 7, 20263.99%▲ from 3.73%
- Sep 19, 20263.73%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
24 Month IRA Certificate
$0
3.99%
▲ 1.26% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.73%▲ 1.26% above avgNationally 2.88%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 3.99% APY · checked 6 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Jumbo Certificate
$100,000
3.97%
▲ 1.24% above Iowa avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.24% above avgNationally 2.88%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Premier Certificates
$0
3.87%
▲ 1.14% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.14% above avgNationally 2.88%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
- Sep 18, 20263.87%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Youth Certificates
$0
3.87%
▲ 1.14% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.14% above avgNationally 2.88%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Sep 18, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$1,000
3.85%
▲ 1.12% above Iowa avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.12% above avgNationally 2.88%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
24 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 1.02% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.73%▲ 1.02% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
Certificates of Deposit (CDs) - 24 Months
$500
3.75%
▲ 1.02% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.73%▲ 1.02% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
103 N Main St, Halbur, IA 51444
IRA 24 MONTH CD
$100
3.75%
▲ 1.02% above Iowa avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.73%▲ 1.02% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 4 times
Iowa 36 Month CD Rates
MonitorBankRates Iowa Average · 36 Month CD2.59% APY▲ 0.01% from last weekNational 2.81%
The average 36-month CD rate in Iowa is 2.59% APY, compared with 2.81% nationally, as of October 13, 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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.70%
▲ 2.11% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.11% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.70%
▲ 2.11% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.11% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.60%
▲ 2.01% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.01% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.60%
▲ 2.01% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.01% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate
$100,000
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
IntraFi Network CD 3 Year
$100,000
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.39%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Treasury Rates**: 4.87%
Rate History
No change since Oct 12, 2026 · 4.50% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.49%
▲ 1.90% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.90% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.49% ▲ 0.67 pts · high 4.49% / low 3.82%
- Oct 9, 20264.49%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.49%
▲ 1.90% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.90% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.49% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate
$2,000
4.35%
▲ 1.76% above Iowa avg
▼
Rate4.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.76% above avgNationally 2.81%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
36 Month CD Specials
$225,000
4.35%
▲ 1.76% above Iowa avg
▼
Rate4.28%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.76% above avgNationally 2.81%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
36 Month CD
$5,000
4.30%
▲ 1.71% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.71% above avgNationally 2.81%
Details
Limited Time Only
Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$1,000
4.27%
▲ 1.68% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.68% above avgNationally 2.81%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
36 Month CD Specials
$125,000
4.25%
▲ 1.66% above Iowa avg
▼
Rate4.18%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.66% above avgNationally 2.81%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 3 times
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
36 Month Raise-A-Rate
$5,000
4.21%
▲ 1.62% above Iowa avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.62% above avgNationally 2.81%
Details
Rate History
1 change since Oct 7, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 11, 20264.21%▲ from 4.00%
- Oct 7, 20264.00%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$1,000
4.16%
▲ 1.57% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.57% above avgNationally 2.81%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
36 Month CD Specials
$500
4.15%
▲ 1.56% above Iowa avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.56% above avgNationally 2.81%
Details
Deposit Amount: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
114 Ely St, Rowley, IA 52329
36 month CD Special One Way
$0
4.10%
▲ 1.51% above Iowa avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.51% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Sep 24, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
36 Month Certificate
$0
4.04%
▲ 1.45% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.45% above avgNationally 2.81%
Details
Balance: $100,000.00 and Over
Rate History
1 change since Sep 19, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 7, 20264.04%▲ from 3.79%
- Sep 19, 20263.79%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
IRA, SEP, KEOGH 36 Month
$0
4.04%
▲ 1.45% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.45% above avgNationally 2.81%
Details
Balance: $100,000+
Rate History
No change since Oct 7, 2026 · 4.04% APY · checked 3 times
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
4.04%
▲ 1.45% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
4.00%
▲ 1.41% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.41% above avgNationally 2.81%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
36 Month Certificate
$500
4.00%
▲ 1.41% above Iowa avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.59%▲ 1.41% above avgNationally 2.81%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91%
▲ 1.32% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.32% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
36 Month Certificate
$1,000
3.90%
▲ 1.31% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.31% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 3, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
36 Month Adjust-A-Rate CD
$1,000
3.89%
▲ 1.30% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.30% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.89% APY · checked 5 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Jumbo Certificate
$100,000
3.87%
▲ 1.28% above Iowa avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.28% above avgNationally 2.81%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Individual Retirement Account Certificates - 36-month IRA
$0
3.85%
▲ 1.26% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.26% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.85% APY
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
36 Month Certificate
$3,000
3.81%
▲ 1.22% above Iowa avg
▼
Rate3.77%
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.22% above avgNationally 2.81%
Details
Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.81% ▲ 0.16 pts · high 3.81% / low 3.65%
- Sep 24, 20263.81%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
3 Year Step
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Quarterly
Rate History
No change since Oct 7, 2026 · 3.80% APY
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
$50,000
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Balance: $50,000 to $245,000
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 5 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$15,000
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 36 Months
$500
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
36 Month Jumbo Certificates
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
36 Month Certificate
$0
3.79%
▲ 1.20% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.20% above avgNationally 2.81%
Details
Balance: $0.00 - $24,999.99
Rate History
1 change since Sep 19, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 7, 20263.79%▲ from 3.53%
- Sep 19, 20263.53%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
36 Month IRA Certificate
$0
3.79%
▲ 1.20% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.20% above avgNationally 2.81%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 6 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Premier Certificates
$0
3.76%
▲ 1.17% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.17% above avgNationally 2.81%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Sep 18, 20263.76%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
36 Month Certificate
$10,000
3.75%
▲ 1.16% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
36 Month CD
$500
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
IRA 36 Month Share Certificate
$0
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
IRA Savings: $1000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Sep 18, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
36 Month JUMBO Certificate
$100,000
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
$100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
36 Month Certificates
$0
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 13, 20263.75%▲ from 3.25%
- Sep 18, 20263.25%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month Certificate
$10,000
3.70%
▲ 1.11% above Iowa avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.11% above avgNationally 2.81%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 5 times
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
Certificate of Deposit - 36 Months
$500
3.70%
▲ 1.11% above Iowa avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.11% above avgNationally 2.81%
Details
Interest Paid Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 20, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$1,000
3.65%
▲ 1.06% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.06% above avgNationally 2.81%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
36 Month Share Certificate
$1,000
3.65%
▲ 1.06% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.06% above avgNationally 2.81%
Details
$1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
36 Month CD
$0
3.63%
▲ 1.04% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.04% above avgNationally 2.81%
Details
Balance: $10,000+
Rate History
1 change since Sep 24, 2026 · 2.72% → 3.63% ▲ 0.91 pts · high 3.63% / low 2.72%
- Oct 3, 20263.63%▲ from 2.72%
- Sep 24, 20262.72%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month Certificate
$2,000
3.60%
▲ 1.01% above Iowa avg
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.59%▲ 1.01% above avgNationally 2.81%
Details
Balance: $2,000 to $9,999.99
Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 5 times
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.55%
▲ 0.96% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.96% above avgNationally 2.81%
Details
Balance: $50,000 and above
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2920 Gordon Dr, Sioux City, IA 51105
Certificate 36 Months
$1,000
3.55%
▲ 0.96% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 0.96% above avgNationally 2.81%
Details
One Bump - Up per Term
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Iowa 48 Month CD Rates
MonitorBankRates Iowa Average · 48 Month CD2.65% APY▼ 0.01% from last weekNational 2.80%
The average 48-month CD rate in Iowa is 2.65% APY, compared with 2.80% nationally, as of October 13, 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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.75%
▲ 2.10% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.10% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
- Oct 9, 20264.75%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.75%
▲ 2.10% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.10% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.65%
▲ 2.00% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.00% above avgNationally 2.80%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.65%
▲ 2.00% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.00% above avgNationally 2.80%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.55%
▲ 1.90% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.90% above avgNationally 2.80%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.55%
▲ 1.90% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.90% above avgNationally 2.80%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 2 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
4.50%
▲ 1.85% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.85% above avgNationally 2.80%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate
$100,000
4.40%
▲ 1.75% above Iowa avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.75% above avgNationally 2.80%
Details
Balance: $100,000 and above
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
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
4.27%
▲ 1.62% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.62% above avgNationally 2.80%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
48 Month Certificate
$10,000
4.25%
▲ 1.60% above Iowa avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.60% above avgNationally 2.80%
Details
Balance: $10,000
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate
$2,000
4.24%
▲ 1.59% above Iowa avg
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.59% above avgNationally 2.80%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.24% APY · checked 2 times
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%
▲ 1.51% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.51% above avgNationally 2.80%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▲ 1.50% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.50% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Individual Retirement Account Certificates - 48-month IRA
$0
4.10%
▲ 1.45% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.45% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.10% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
48 Month Jumbo Certificates
$0
4.05%
▲ 1.40% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.40% above avgNationally 2.80%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
48 Month Certificate
$0
4.04%
▲ 1.39% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.39% above avgNationally 2.80%
Details
Balance: $100,000.00 and Over
Rate History
1 change since Sep 19, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 7, 20264.04%▲ from 3.79%
- Sep 19, 20263.79%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
IRA, SEP, KEOGH 48 Month
$0
4.04%
▲ 1.39% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.39% above avgNationally 2.80%
Details
Balance: $100,000+
Rate History
No change since Oct 7, 2026 · 4.04% APY · checked 3 times
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
4.00%
▲ 1.35% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.35% above avgNationally 2.80%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
48 Month Certificate
$1,000
3.90%
▲ 1.25% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.25% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 3, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
48 Month CD
$500
3.85%
▲ 1.20% above Iowa avg
▼
Rate3.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.20% above avgNationally 2.80%
Details
Rate History
No change since Sep 28, 2026 · 3.85% APY · checked 4 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month Certificate
$50,000
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Balance: $50,000 to $245,000
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 5 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$15,000
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 48 Months
$500
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
48 Month Certificate
$5,000
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.76%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.64% → 3.80% ▲ 0.16 pts · high 3.80% / low 3.64%
- Sep 24, 20263.80%▲ from 3.64%
- Sep 14, 20263.64%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4530 Singing Hills Blvd, Sioux City, IA 51106
4 YEAR SHARE CERTIFICATE
$500
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
48 Month Certificate
$0
3.79%
▲ 1.14% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.14% above avgNationally 2.80%
Details
Balance: $0.00 - $24,999.99
Rate History
1 change since Sep 19, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 7, 20263.79%▲ from 3.53%
- Sep 19, 20263.53%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
48 Month IRA Certificate
$0
3.79%
▲ 1.14% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.14% above avgNationally 2.80%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 6 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Jumbo Certificate
$100,000
3.76%
▲ 1.11% above Iowa avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.11% above avgNationally 2.80%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
48 Months Time Certificate of Deposit
$2,500
3.75%
▲ 1.10% above Iowa avg
▼
Rate3.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.10% above avgNationally 2.80%
Details
Rate History
1 change since Oct 7, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 11, 20263.75%▲ from 3.35%
- Oct 7, 20263.35%first recorded
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
Certificate of Deposit - 48 Months
$500
3.75%
▲ 1.10% above Iowa avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.10% above avgNationally 2.80%
Details
Interest Paid Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Sep 20, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
48 Month Certificate
$500
3.75%
▲ 1.10% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.65%▲ 1.10% above avgNationally 2.80%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 1, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month Certificate
$10,000
3.70%
▲ 1.05% above Iowa avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.05% above avgNationally 2.80%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 5 times
Fairfax State Savings Bank
Institution Rating:
B+4.6 ★Texas Ratio: 12.90%
409 Vanderbilt St, Fairfax, IA 52228
48 Month Time Certificate of Deposit
$1,000
3.70%
▲ 1.05% above Iowa avg
▼
Rate3.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.05% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.70% ▲ 0.95 pts · high 3.70% / low 2.75%
- Oct 3, 20263.70%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Premier Certificates
$0
3.66%
▲ 1.01% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.01% above avgNationally 2.80%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61%
- Sep 18, 20263.66%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
3230 Ridge Pt, Bettendorf, IA 52722
48-Month CD
$0
3.65%
▲ 1.00% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 1.00% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$1,000
3.65%
▲ 1.00% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.00% above avgNationally 2.80%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
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
$2,000
3.60%
▲ 0.95% above Iowa avg
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 0.95% above avgNationally 2.80%
Details
Balance: $2,000 to $9,999.99
Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 5 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
4 Year Step
$0
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Quarterly
Rate History
No change since Oct 7, 2026 · 3.55% APY
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Balance: $50,000 and above
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2920 Gordon Dr, Sioux City, IA 51105
Certificate 48 Months
$1,000
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2920 Gordon Dr, Sioux City, IA 51105
IRA 48 Months
$1,000
3.55%
▲ 0.90% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
48 Month CD
$0
3.53%
▲ 0.88% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.88% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.12% → 3.53% ▲ 0.41 pts · high 3.53% / low 3.12%
- Oct 3, 20263.53%▲ from 3.12%
- Sep 14, 20263.12%first recorded
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
48 Month Certificates of Deposit
$25,000
3.53%
▲ 0.88% above Iowa avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 0.88% above avgNationally 2.80%
Details
Minimum Balance: $25,000 Minimum
Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 5 times
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
48 Month 1 Step Up
$10,000
3.50%
▲ 0.85% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Oct 3, 2026 · 3.50% APY · checked 3 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3098 Floyd Blvd, Sioux City, IA 51108
48 Month Certificates
$500
3.50%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3098 Floyd Blvd, Sioux City, IA 51108
48 Month IRA Share Certificates
$500
3.50%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Farmers Savings Bank Fostoria, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
10 Highway Avenue Northwest, Fostoria, IA 51340
4 Year Certificate of Deposit
$500
3.49%
▲ 0.84% above Iowa avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 0.84% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.49% ▲ 0.46 pts · high 3.49% / low 3.03%
- Sep 24, 20263.49%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B4.4 ★Texas Ratio: 22.12%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.45%
▲ 0.80% above Iowa avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.65%▲ 0.80% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.44%
▲ 0.79% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.79% above avgNationally 2.80%
Details
Balance: $25,000-$49,999.99
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 8 times
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
606 Broad St, Story City, IA 50248
48 Month Certificates of Deposit
$10,000
3.38%
▲ 0.73% above Iowa avg
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 0.73% above avgNationally 2.80%
Details
Minimum Balance: $10,000 Minimum
Rate History
No change since Sep 24, 2026 · 3.38% APY · checked 5 times
Iowa 60 Month CD Rates
MonitorBankRates Iowa Average · 60 Month CD2.70% APY▼ 0.01% from last weekNational 2.90%
The average 60-month CD rate in Iowa is 2.70% APY, compared with 2.90% nationally, as of October 13, 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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%
- Oct 9, 20264.80%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.80% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.90%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.90%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.96% above Iowa avg
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.96% above avgNationally 2.90%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
Individual Retirement Account Certificates - 60-month IRA
$0
4.61%
▲ 1.91% above Iowa avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.91% above avgNationally 2.90%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.61% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.90%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.90%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
60 Month Jumbo Certificates
$0
4.55%
▲ 1.85% above Iowa avg
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.85% above avgNationally 2.90%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.90%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
915 Short St Ste 105, Decorah, IA 52101 2412
60 Month Certificates
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.90%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 13, 20264.50%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
60 Month CD Specials
$225,000
4.45%
▲ 1.75% above Iowa avg
▼
Rate4.38%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.75% above avgNationally 2.90%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.45% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
5 Year Certificate
$100,000
4.40%
▲ 1.70% above Iowa avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.70% above avgNationally 2.90%
Details
Balance: $100,000 and above
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
60 Month Relationship CD
$500
4.40%
▲ 1.70% above Iowa avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.70% above avgNationally 2.90%
Details
Must have a loan, deposit, or trust and investment account with City State Bank.
Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
60 Month CD Specials
$125,000
4.35%
▲ 1.65% above Iowa avg
▼
Rate4.28%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.65% above avgNationally 2.90%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
60 Month CD
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.90%
Details
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
60 Month IRA
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.90%
Details
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$1,000
4.27%
▲ 1.57% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.57% above avgNationally 2.90%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
60 Month CD Specials
$500
4.25%
▲ 1.55% above Iowa avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.55% above avgNationally 2.90%
Details
Deposit Amount: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
5 Year Certificate
$2,000
4.24%
▲ 1.54% above Iowa avg
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.54% above avgNationally 2.90%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.24% APY · checked 2 times
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%
▲ 1.46% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.46% above avgNationally 2.90%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
60 Month Certificate
$0
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.90%
Details
Balance: $100,000.00 and Over
Rate History
1 change since Sep 19, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 7, 20264.04%▲ from 3.79%
- Sep 19, 20263.79%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
IRA, SEP, KEOGH 60 Month
$0
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.90%
Details
Balance: $100,000+
Rate History
No change since Oct 7, 2026 · 4.04% APY · checked 3 times
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
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
4.00%
▲ 1.30% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.30% above avgNationally 2.90%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month Certificate
$50,000
3.91%
▲ 1.21% above Iowa avg
▼
Rate3.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.21% above avgNationally 2.90%
Details
Balance: $50,000 to $245,000
Rate History
No change since Sep 19, 2026 · 3.91% APY · checked 5 times
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
$10,000
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.90%
Details
Balance: $10,000 to $49,999.99
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 5 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$15,000
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.90%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 60 Months
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.90%
Details
Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Fairfax State Savings Bank
Institution Rating:
B+4.6 ★Texas Ratio: 12.90%
409 Vanderbilt St, Fairfax, IA 52228
60 Month Time Certificate of Deposit
$1,000
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.80% ▲ 1.05 pts · high 3.80% / low 2.75%
- Oct 3, 20263.80%▲ from 2.75%
- Sep 14, 20262.75%first recorded
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
215 N Division St, Stuart, IA 50250
Certificate of Deposit - 60 Months
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.90%
Details
Interest Paid Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Sep 20, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4530 Singing Hills Blvd, Sioux City, IA 51106
5 YEAR SHARE CERTIFICATE
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 4 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
60 Month Certificate
$0
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.90%
Details
Balance: $0.00 - $24,999.99
Rate History
1 change since Sep 19, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 7, 20263.79%▲ from 3.53%
- Sep 19, 20263.53%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
135 W Tilden St, Postville, IA 52162
60 Month IRA Certificate
$0
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.90%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 6 times
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
97 Main Ave, Atkins, IA 52206
60 Month Adjust-A-Rate CD
$1,000
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3098 Floyd Blvd, Sioux City, IA 51108
60 Month CD's
$0
3.75%
▲ 1.05% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.90%
Details
As High As; Summary rate card on Rates page
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3098 Floyd Blvd, Sioux City, IA 51108
60 Month Certificates
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.90%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3098 Floyd Blvd, Sioux City, IA 51108
60 Month IRA Share Certificates
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.90%
Details
Dividend rate may be bumped up two times during initial term
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Jumbo Certificate
$100,000
3.71%
▲ 1.01% above Iowa avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.01% above avgNationally 2.90%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 3.71% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month Certificate
$2,000
3.70%
▲ 1.00% above Iowa avg
▼
Rate3.65%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 1.00% above avgNationally 2.90%
Details
Balance: $2,000 to $9,999.99
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 5 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$1,000
3.65%
▲ 0.95% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.95% above avgNationally 2.90%
Details
Interest Paid Quarterly; Automatically Renewable Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
60 Month CD
$50,000
3.63%
▲ 0.93% above Iowa avg
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.93% above avgNationally 2.90%
Details
Balance: 50,000+
Rate History
1 change since Sep 14, 2026 · 3.22% → 3.63% ▲ 0.41 pts · high 3.63% / low 3.22%
- Oct 3, 20263.63%▲ from 3.22%
- Sep 14, 20263.22%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Premier Certificates
$0
3.61%
▲ 0.91% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.91% above avgNationally 2.90%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 5 times
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.90%
Details
Balance: $50,000 and above
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2920 Gordon Dr, Sioux City, IA 51105
Certificate 60 Months
$1,000
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2920 Gordon Dr, Sioux City, IA 51105
IRA 60 Months
$1,000
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B4.4 ★Texas Ratio: 22.12%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.55%
▲ 0.85% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Iowa Average2.70%▲ 0.85% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
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%
▲ 0.83% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 0.83% above avgNationally 2.90%
Details
Rate History
No change since Sep 19, 2026 · 3.53% APY · checked 7 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
5 Year Certificate
$0
3.53%
▲ 0.83% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Iowa Average2.70%▲ 0.83% above avgNationally 2.90%
Details
Semi-Annually
Rate History
No change since Sep 7, 2026 · 3.53% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
102 S Broad St, Stacyville, IA 50476
60 MONTH PENALTY=360 DAYS OF INTEREST
$5,000
3.53%
▲ 0.83% above Iowa avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.83% above avgNationally 2.90%
Details
PENALTY=360 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.53% APY · checked 2 times
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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
2.853%
▲ 0.023 vs 7 days ago
Iowa 12-month CD rates rose 0.023 points over the past 7 days to 2.853% APY.
6-Month CD IA Avg
2.678%
▼ 0.015 vs 7 days ago
Iowa 6-month CD rates fell 0.015 points over the past 7 days to 2.678% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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IA CD Rate Forecast, Next 12 Months
Where are Iowa CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.853%
6-Month Forecast
2.853%
Range: 2.65%, 3.00%
12-Month Forecast
3.103%
Range: 2.90%, 3.25%
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What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.907% | $95.35 | $190.69 | $476.72 | $953.45 |
| 6-Month CD | 2.678% | $133.90 | $267.80 | $669.50 | $1,339.00 |
| 12-Month CD | 2.853% | $142.64 | $285.29 | $713.23 | $1,426.45 |
| 18-Month CD | 2.834% | $141.70 | $283.40 | $708.50 | $1,417.00 |
| 24-Month CD | 2.727% | $136.36 | $272.72 | $681.80 | $1,363.60 |
| 36-Month CD | 2.590% | $129.51 | $259.02 | $647.55 | $1,295.10 |
| 48-Month CD | 2.648% | $132.38 | $264.75 | $661.88 | $1,323.75 |
| 60-Month CD | 2.698% | $134.89 | $269.78 | $674.45 | $1,348.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for Iowa Savers
$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.907% | $95.35 |
| 2 | 6-Month CD | $5,000 | 2.678% | $133.90 |
| 3 | 12-Month CD | $5,000 | 2.853% | $142.64 |
| 4 | 24-Month CD | $5,000 | 2.727% | $136.36 |
| 5 | 36-Month CD | $5,000 | 2.590% | $129.51 |
| Total ($25,000 invested) | $25,000 | 2.551% blended | $637.76/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.
Powered byMonitorBankRates
1,296
CD Rates
Tracked in Iowa
Tracked in Iowa
75 Banks
37 Credit Unions
About Our Iowa CD Rate Database
MonitorBankRates tracks 1,296 CD rates from 75 banks and 37 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Serve Credit Union offers a CD at 4.80% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in 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 37 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: 112 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
$126/yr
At IA 12-mo avg 2.853% 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 2.853%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $126 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in 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, Serve Credit Union is offering its 60-Month Certificate at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
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:
- Serve Credit Union: 4.80% APY (60-Month Certificate)
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- Luana Savings Bank: 4.50% APY (36 Month Certificate)
- Fidelity Bank Savanna, IL: 4.50% APY (20-month special, with rollover into 24-month at time of maturity)
- Bank: 4.50% APY (IntraFi Network CD 3 Year)
- F&M State Bank Winterset, IA: 4.50% APY (24 Month CD)
- 5 Star Community Credit Union: 4.50% APY (6 Month Share Certificate)
- Cent Credit Union: 4.50% APY (24 Month Time Share Certificate)
- Iowa Falls State Bank: 4.45% APY (18-month Special CD)
- Washington State Bank Washington, IA: 4.45% APY (60 Month CD Specials)
Rates reflect recent verified offers available in Iowa. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Iowa
Iowa CD Calculator
At today’s IA top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.
Iowa CD LadderIA CD rates currently range from 1.907% (3-month) to 2.590% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Iowa CD at 4.80% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.853% 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: October 13, 2026
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