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CD Rates Austinville, Iowa (IA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 19, 2026

Current Austinville, Iowa CD rates include Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 15.61%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY, Des Moines Metro Credit UnionDes Moines Metro Credit UnionA+5.0 ★Texas Ratio: 2.01%Real return: +1.21%APY minus CPI (February 2026) offering 6-month IRA Share Certificates at 4.01% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.75%Real return: +1.20%APY minus CPI (February 2026) offering Youth Certificates 3 Month Add-On at 4.00% APY, Luana Savings BankLuana Savings BankA+5.0 ★Texas Ratio: 0.11%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 4.00% APY, and Green Belt Bank & TrustGreen Belt Bank & TrustA+5.0 ★Texas Ratio: 0.70%Real return: +1.20%APY minus CPI (February 2026) offering 24 Month Legacy CD at 4.00% APY. CD rates as of April 19, 2026 according to verified data from MonitorBankRates.

Austinville is a smaller community with no bank or credit union branches currently in our database. 244 institutions serving the Iowa area are available to Austinville residents, with CD rates as high as 4.10% APY from Vibrant Credit Union. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 19, 2026

Compare Best CD Rates in Austinville, Iowa & the Surrounding Area

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: 3.75%
Youth Certificates 3 Month Add-On
$100
4.00%
View
▼
Rate3.94%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 month CD Special
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
Special Term CDs* 3 Month CD
$25,000
3.29%
View
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Month CD
$100,000
3.14%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificates of Deposit
$50,000
2.27%
View
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 MO Share Certificate
$500
2.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 3 Month
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

At Maturity

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
View
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 month term
$1,000
1.00%
View
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 3 Month
$20,000
0.85%
View
▼
Rate0.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 3-month
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
3 MONTH/91 DAYS Certificate of Deposit
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
3 Month Certificate
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate of Deposit
$500
0.14%
View
▼
Rate0.14%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Early withdrawal penalties may apply

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3 Month Certificates of Deposit
$2,500
0.03%
View
▼
Rate0.03%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
6-Month CD Special
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6-month IRA Share Certificates
$250
4.01%
View
▼
Rate3.95%
Min Deposit$250
Min Balance—
UpdatedApr 19, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6 Month Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 Month CD
$100,000
3.91%
View
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6-month CDs
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$50,000
3.68%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

(1)(Variable)

Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$5,000
3.53%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6-MONTH CERTIFICATE
$100,000
3.51%
View
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Certificate Special 6-month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

APY shown accurate as of 4/1/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees.

Central State Bank State Center, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificates of Deposit
$1,500
3.48%
View
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
UpdatedApr 19, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month Certificates of Deposit
$2,500
3.43%
View
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 6 month
$90,000
3.35%
View
▼
Rate3.30%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.34%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term
$50,000
3.33%
View
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Specials 6 month special
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

*Relationship Pricing APY: 3.49%; *Relationship Pricing Interest Rate: 3.45%

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 6 Month
$0
2.85%
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$50,000
2.82%
View
▼
Rate2.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
6 mo. Term Share
$100,000
2.80%
View
▼
Rate2.76%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 MO Share Certificate
$500
2.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 6 Month
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Semi-Annually

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month Standard Certificates of Deposit
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 6 month certificate
$500
2.00%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 6 Month
$20,000
1.61%
View
▼
Rate1.60%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 6 Month
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 month term
$1,000
1.25%
View
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6 Month CD
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
6 Month Certificate
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
6 MONTH/182 DAYS Certificate of Deposit
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6-month Share Certificates
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 6 Month
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificate of Deposit
$500
0.19%
View
▼
Rate0.19%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month Certificates of Deposit
$2,500
0.07%
View
▼
Rate0.07%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Early withdrawal penalties may apply

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1-year IRA Share Certificates
$250
3.91%
View
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedApr 19, 2026
Details

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 12 Month
$0
3.89%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Month Certificate
$0
3.85%
View
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$25,000 and above

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1 Year CD
$100,000
3.75%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$250,000
3.65%
View
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 1 Year
$0
3.63%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Semi-Annually

Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year (12 months) CD
$1,000
3.60%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-MONTH CERTIFICATE
$100,000
3.56%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
12 Month CD
$5,000
3.52%
View
▼
Rate3.47%
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 Month CD
$100,000
3.50%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
12 Month Certificates of Deposit
$25,000
3.43%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12-month Certificate of Deposit
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
12-Month Term IRA Certificate
$50,000
3.29%
View
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
12 MO Share Certificate
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 12 month
$90,000
3.10%
View
▼
Rate3.05%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
12 Month Certificate Account
$500
3.00%
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$5,000
2.92%
View
▼
Rate2.90%
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 12 Month
$20,000
2.87%
View
▼
Rate2.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
12 mo. Term Share
$100,000
2.79%
View
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 12 month certificate
$500
2.60%
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12-month CD
$5,000
2.52%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month Certificates of Deposit
$50,000
2.27%
View
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 1 Year
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificates: minimum 12 month
$25,000
1.76%
View
▼
Rate1.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

$25,000

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
12 Month Certificate of Deposit (CD)
$150,000
1.75%
View
▼
Rate1.74%
Min Deposit$150,000
Min Balance—
UpdatedApr 19, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Early withdrawal penalties may apply

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 month term
$1,000
1.50%
View
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$1,000
1.46%
View
▼
Rate1.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 12-month
$0
1.45%
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 12 Month
$0
1.36%
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month Certificates of Deposit
$1,500
1.00%
View
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 19, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12 Month CD
$1,000
0.60%
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
12 MONTH Certificate of Deposit
$500
0.55%
View
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
12 Month Fixed IRA
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12-month Share Certificates
$0
0.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month Certificate of Deposit
$500
0.21%
View
▼
Rate0.21%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 18 Month
$0
3.84%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
18-month IRA Share Certificates
$250
3.81%
View
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedApr 19, 2026
Details

Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Month Certificate
$0
3.80%
View
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month CD
$1,000
3.75%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 18 Month
$0
3.58%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Semi-Annually

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 18 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Blackhawk Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18-Month CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

standard CD

Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
18 Month and Build CD
$0
3.40%
View
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
Special Term CDs* 18 Month CD
$25,000
3.34%
View
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
18 MO Share Certificate
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
18 Month Certificate Account
$500
3.20%
View
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$50,000
3.19%
View
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
18 Month Certificates of Deposit
$25,000
3.12%
View
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 18 month
$90,000
3.05%
View
▼
Rate3.00%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$50,000
2.82%
View
▼
Rate2.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$100,000
2.76%
View
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
View
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 month Certificates of Deposit
$50,000
2.27%
View
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 18 Month
$20,000
2.11%
View
▼
Rate2.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificates 18 month
$25,000
2.02%
View
▼
Rate2.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
18 Month Certificate of Deposit (CD)
$150,000
1.85%
View
▼
Rate1.84%
Min Deposit$150,000
Min Balance—
UpdatedApr 19, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 18 Month
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 18-month
$0
1.45%
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificates of Deposit
$1,500
1.00%
View
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 19, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 Month CD
$1,000
0.70%
View
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
18 MONTH Certificate of Deposit
$500
0.60%
View
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
18 Month Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month Fixed IRA
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
18-month Share Certificates
$0
0.41%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificate of Deposit
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 Month Legacy CD
$20
4.00%
View
▼
Rate—
Min Deposit$20
Min Balance—
UpdatedApr 19, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Certificate of Deposit
$0
3.94%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 24 Month
$0
3.84%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD Special
$10,000
3.80%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 19, 2026
Details

penalty for early withdrawal. Rate as of 4/10/2026 and subject to change.

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24-MONTH CERTIFICATE
$100,000
3.76%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2 Year CD
$100,000
3.75%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 2 Year
$0
3.58%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Semi-Annually

BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 month CD Special
$0
3.55%
View
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
24 Month Certificate Account
$500
3.30%
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
24 Month, Bump CD and Build CD
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
24 Month Certificates of Deposit
$25,000
3.12%
View
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24-month CD
$25,000
3.03%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 2 Year
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
24 Month CD
$100,000
2.95%
View
▼
Rate2.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
24-Month Term
$25,000
2.93%
View
▼
Rate2.90%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$50,000
2.92%
View
▼
Rate2.90%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 24 month
$90,000
2.85%
View
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 24 Month
$0
2.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 24 month certificate
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
24 mo. Term Share
$100,000
2.64%
View
▼
Rate2.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificates: minimum 24 month
$25,000
2.53%
View
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

$25,000

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
View
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 24 Month
$20,000
2.36%
View
▼
Rate2.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month Certificates of Deposit
$50,000
2.27%
View
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
24 Month Certificate of Deposit (CD)
$150,000
2.05%
View
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 19, 2026
Details

First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$1,000
1.86%
View
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 24-month
$0
1.80%
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
24 month term
$1,000
1.75%
View
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 24 Month
$0
1.56%
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Month Certificates of Deposit
$1,500
1.00%
View
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 19, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24 Month IRA CD
$30,000
0.95%
View
▼
Rate0.95%
Min Deposit$30,000
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
24 MONTH Certificate of Deposit
$500
0.70%
View
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
24 Month Certificate
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
24-month Share Certificates
$0
0.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
24 Month Fixed IRA
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificate of Deposit
$500
0.28%
View
▼
Rate0.28%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Certificate of Deposit
$0
3.94%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36-MONTH CERTIFICATE
$100,000
3.82%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 36 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Year CD
$100,000
3.75%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
36 Month Certificate
$0
3.65%
View
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 month CD Special One Way
$0
3.50%
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
36 Month Certificate Account
$500
3.40%
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 3 Year Step
$0
3.29%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Quarterly

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
36 Month Certificates of Deposit
$25,000
3.12%
View
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36-month CD
$25,000
3.03%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$50,000
3.02%
View
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 36 month certificate
$500
3.00%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 36 month
$90,000
2.85%
View
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 3 Year
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
36 Month CD
$10,000
2.75%
View
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
36 mo. Term Share
$100,000
2.54%
View
▼
Rate2.51%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificates 36 month
$25,000
2.50%
View
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 36 Month
$20,000
2.36%
View
▼
Rate2.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month Certificates of Deposit
$50,000
2.32%
View
▼
Rate2.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 36-month
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
36 Month Certificate of Deposit (CD)
$150,000
2.05%
View
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 19, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 month term
$1,000
2.00%
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 36 Month
$0
1.66%
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 36 Month
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36 Month IRA CD
$30,000
1.05%
View
▼
Rate1.05%
Min Deposit$30,000
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
36 MONTH Certificate of Deposit
$500
0.95%
View
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
36 Month Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36-month Share Certificates
$0
0.61%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Add-on IRAs 36 month
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificate of Deposit
$500
0.37%
View
▼
Rate0.37%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48-MONTH CERTIFICATE
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 48 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year CD
$100,000
3.75%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
48 Month Certificate
$0
3.65%
View
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$50,000
3.55%
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
48 Month Certificate Account
$500
3.45%
View
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 4 Year Step
$0
3.29%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Quarterly

Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
48 Month and Access CD
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$50,000
3.12%
View
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month CD
$100,000
3.05%
View
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48-month CD
$25,000
3.03%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month Certificates of Deposit
$10,000
2.97%
View
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 19, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 48 Month
$0
2.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 48 month
$90,000
2.85%
View
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 48 Month
$20,000
2.62%
View
▼
Rate2.60%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details

$20,000

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Certificates of Deposit
$50,000
2.42%
View
▼
Rate2.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 month term
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 48-month
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Month Variable Regular & IRA Certiicates
$500
2.07%
View
▼
Rate2.05%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Minimum $500 balance required

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
48 Month Certificate of Deposit (CD)
$150,000
2.05%
View
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 19, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48 Month Certificates of Deposit
$5,000
2.00%
View
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 48 Month
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
College Saver CDs 48 month
$0
1.14%
View
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

*Relationship Pricing APY 1.30%; *Relationship Pricing Interest Rate 1.29%

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
48 Month IRA CD
$30,000
1.10%
View
▼
Rate1.10%
Min Deposit$30,000
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
48 MONTH Certificate of Deposit
$500
1.05%
View
▼
Rate1.05%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 4 Year
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
48 Month Certificate
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month Certificate of Deposit
$500
0.50%
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60-MONTH CERTIFICATE
$100,000
3.92%
View
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Year CD
$100,000
3.85%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000 & over

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 60 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
60 Month Certificate Account
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 60 month certificate
$500
3.50%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$25,000
3.44%
View
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$25,000
3.29%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 5 Year
$0
3.28%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Semi-Annually

Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
60 Month and Access CD
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$50,000
3.22%
View
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month Certificates of Deposit
$25,000
3.12%
View
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 19, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
60 Month CD
$100,000
3.10%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
5-year IRA Share Certificates
$250
3.03%
View
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 19, 2026
Details

Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 60 Month
$0
2.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 60 month
$90,000
2.85%
View
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 19, 2026
Details

$90,000.00

Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month Certificates of Deposit
$50,000
2.52%
View
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 19, 2026
Details

DB4 of; & IRA

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
60 month term
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$1,000
2.37%
View
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 60-month
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Month Variable Education Regular & IRA Certiicates
$500
2.13%
View
▼
Rate2.10%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Minimum $500 balance required

PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
60 Month Certificate of Deposit (CD)
$150,000
2.05%
View
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 19, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Month Certificates of Deposit
$5,000
2.00%
View
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 60 Month
$0
1.87%
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
60 Month Fixed IRA
$0
1.21%
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
60 Month CD
$1,000
1.15%
View
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details

Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
60 MONTH Certificate of Deposit
$500
1.10%
View
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
60 Month Certificate of Deposit
$500
0.77%
View
▼
Rate0.77%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

$500 Minimum to Open CD

CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
60 Month Certificate
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Austinville, Iowa Institutions

Highest verified APYs available today — updated April 19, 2026

B Top 5 Bank Rates
Luana Savings Bank
6 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.11%
Min: $0
4.00%
Green Belt Bank & Trust
24 Month Legacy CD
A+ 5.0 ★ TX: 0.70%
Min: $20
4.00%
New Albin Savings Bank
6 Month CD
A+ 5.0 ★ TX: 0.06%
Min: $100,000
3.91%
FreedomBank Elkader, IA
IRA Certificates 12 Month
A 5.0 ★ TX: 8.43%
Min: $0
3.89%
Citizens Savings Bank Spillville, IA
12 Month Certificate
A+ 5.0 ★ TX: 2.88%
Min: $0
3.85%
CU Top 5 Credit Union Rates
Vibrant Credit Union
6-Month CD Special
A- 5.0 ★ TX: 15.61%
Min: $0
4.10%
Des Moines Metro Credit Union
6-month IRA Share Certificates
A+ 5.0 ★ TX: 2.01%
Min: $250
4.01%
Cedar Falls Community Credit Union
Youth Certificates 3 Month Add-On
A+ 5.0 ★ TX: 3.75%
Min: $100
4.00%
Serve Credit Union
60-MONTH CERTIFICATE
A+ 5.0 ★ TX: 2.97%
Min: $100,000
3.92%
Members Community Credit Union
6-month CDs
A+ 5.0 ★ TX: 0.40%
Min: $0
3.90%
Rates verified April 19, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Austinville, IA CD Rate Trends

Compare local Austinville, IA CD rate quotes against the statewide average

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

View Full Iowa CD Trends →
12-Month CD — IA Avg
2.634%
▲ 0.059 vs 7 days ago

Iowa 12-month CD rates rose 0.059 points over the past 7 days to 2.634% APY.

6-Month CD — IA Avg
2.417%
▼ 0.093 vs 7 days ago

Iowa 6-month CD rates fell 0.093 points over the past 7 days to 2.417% APY.

As of Apr 19, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

IA CD Rate Forecast — Next 12 Months

Where are Iowa CD rates headed through April 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

IA 12-Month Avg APY
2.634%
6-Month Forecast
2.634%
Range: 2.43% – 2.78%
12-Month Forecast
2.384%
Range: 2.18% – 2.53%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Iowa average 12-month CD APY in our database.

Spread model: The Iowa 12-month CD average currently trades 1.74% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

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 1.417% $70.85 $141.70 $354.25 $708.50
6-Month CD 2.417% $120.84 $241.67 $604.18 $1,208.35
12-Month CD 2.634% $131.70 $263.39 $658.48 $1,316.95
18-Month CD 2.518% $125.89 $251.78 $629.45 $1,258.90
24-Month CD 2.505% $125.24 $250.47 $626.18 $1,252.35
36-Month CD 2.584% $129.19 $258.37 $645.93 $1,291.85
48-Month CD 2.560% $127.98 $255.95 $639.88 $1,279.75
60-Month CD 2.699% $134.95 $269.89 $674.73 $1,349.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 19, 2026.

Sample CD Ladder for Austinville, Iowa Savers

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

Build Your Ladder →
Rung Term Deposit IA Avg APY Annual Earnings
1 3-Month CD $5,000 1.417% $70.85
2 6-Month CD $5,000 2.417% $120.84
3 12-Month CD $5,000 2.634% $131.70
4 24-Month CD $5,000 2.505% $125.24
5 36-Month CD $5,000 2.584% $129.19
Total ($25,000 invested) $25,000 2.311% blended $577.82/yr

Ladder example uses equal $5,000 rungs and Iowa average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

53
Institutions
in Austinville, Iowa
37 Banks 16 Credit Unions

About Our Austinville, Iowa CD Rate Database

MonitorBankRates tracks CD rates from 37 banks and 16 credit unions with locations in Austinville, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

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

Current top rate: Vibrant Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Austinville, Iowa.

How to Find the Best CD Rates in Austinville, Iowa

What to compare when shopping for a CD in Austinville, Iowa

To find the best APYs in Austinville, Iowa, start with credit unions and online-only banks — Austinville, Iowa has 16 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 Austinville, 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 Austinville, Iowa — 53 institutions here report CD rates

Consider an Alternative If…

Iowa Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)

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
$116/yr
At IA 12-mo avg 2.634% 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 2.634%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $116 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 Austinville, Iowa

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

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

Frequently Asked Questions about CD Rates in Austinville, Iowa

Are CD rates in Austinville, Iowa FDIC insured?

Yes, most established banks in Austinville, 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 Austinville, 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 Austinville, 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 Austinville, 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 Austinville, Iowa?

Here are recent top rates found for this area:
  • Vibrant Credit Union: 4.10% APY (6-Month CD Special)
  • Des Moines Metro Credit Union: 4.01% APY (6-month IRA Share Certificates)
  • Cedar Falls Community Credit Union: 4.00% APY (Youth Certificates 3 Month Add-On)
  • Luana Savings Bank: 4.00% APY (6 Month Certificate of Deposit)
  • Green Belt Bank & Trust: 4.00% APY (24 Month Legacy CD)
  • Serve Credit Union: 3.92% APY (60-MONTH CERTIFICATE)
  • New Albin Savings Bank: 3.91% APY (6 Month CD)
  • Members Community Credit Union: 3.90% APY (6-month CDs)
  • FreedomBank Elkader, IA: 3.89% APY (IRA Certificates 12 Month)
  • Citizens Savings Bank Spillville, IA: 3.85% APY (12 Month Certificate)
Rates reflect recent verified offers available in Austinville, Iowa. Last Updated: April 19, 2026

CD Calculators for Austinville, Iowa

Austinville, Iowa CD Calculator

At today’s IA top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.

Austinville, Iowa CD Ladder

IA CD rates currently range from 1.417% (3-month) to 2.584% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Austinville, Iowa CD at 4.10% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Iowa’s average 12-month CD is 2.634% 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

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Austinville, 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 pulling data straight 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 Austinville, 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: April 19, 2026

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