Davenport, Iowa Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Davenport, Iowa CD rates range from 0.05% to 4.80% APY, verified by MonitorBankRates as of November 9, 2026. Current Davenport, Iowa CD rates include Marine Credit UnionMarine Credit Union709 E 46th St, Davenport, IA 52807 1052A5.0 ★Texas Ratio: 13.08%Real return: +0.96%APY minus CPIRate verified Nov 8, 2026 offering Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY, Empeople Credit UnionEmpeople Credit Union1175 E 90th ST, Davenport, IA 52807 9371A+5.0 ★Texas Ratio: 5.75%Real return: +0.70%APY minus CPIRate verified Nov 9, 2026 offering 18 Month Share Certificate at 4.40% APY, American Bank and Trust Company, N.A.American Bank and Trust Company, N.A.4301 E 53rd St, Davenport, IA 52807A5.0 ★Texas Ratio: 7.06%Real return: +0.65%APY minus CPIRate verified Nov 5, 2026 offering 24 Month Certificate of Deposit - Diamond at 4.35% APY, Vibrant Credit UnionVibrant Credit Union3801 N Brady St, Davenport, IA 52806A-5.0 ★Texas Ratio: 14.44%Real return: +0.55%APY minus CPIRate verified Nov 5, 2026 offering 6-Month CD Special at 4.25% APY, and Ascentra Credit UnionAscentra Credit Union1515 W 53rd St, Davenport, IA 52806 2444A+5.0 ★Texas Ratio: 4.68%Real return: +0.55%APY minus CPIRate verified Nov 8, 2026 offering Certificate - 18 Months at 4.25% APY. CD rates as of November 9, 2026 according to verified data from MonitorBankRates.
Davenport has 152 local institutions in our database, with CD rates as high as 4.66% APY from Marine Credit Union at 709 E 46th St, Davenport, IA 52807 1052. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Iowa area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: November 9, 2026
Compare Best CD Rates in Davenport, Iowa & the Surrounding Area
Davenport 3 Month CD Rates
IRA/HSA & Share Certificate Rates; 3 Month Certificate requires minimum deposit of $5,000; Minimum deposit $500 otherwise; Rate = dividend rate
Early withdrawal penalty applies; many interest payment options available; Open Online or In Person
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
Rates effective as of 02/10/26; APR* column printed as 1.00%; early withdrawals may be subject to a penalty
Silver Hawk Club; age 50 or better with $5,000 minimum balance in deposit accounts
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Minimum opening deposit $500; all certificates renewable with 10-day grace period; penalty for early withdrawal; APY accurate as of October 14, 2026
Balance: $0 - $4,999.99; Relationship Interest Rate and Relationship APY; Early withdrawal penalties may apply; California counties only
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California counties only; additional terms available at a branch
Early withdrawal penalty may be imposed
Davenport 6 Month CD Rates
Auto-renews into a 6-month certificate at the current rate at maturity; Early withdrawal penalty may apply
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Minimum balance to earn dividends: $1,000; APY accurate as of 11/1/26 and available for a limited time; penalty for early withdrawal; membership required
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Dividend Frequency: Monthly
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Early withdrawal penalty may be imposed
Base APY; Early withdrawal penalty may be imposed
Early withdrawal penalty applies; many interest payment options available; Open Online or In Person
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20263.05%▲ from 2.30%
- Sep 22, 20262.30%first recorded
Silver Hawk Club; age 50 or better with $5,000 minimum balance in deposit accounts
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20263.00%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Davenport 12 Month CD Rates
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Sep 27, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20264.05%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Dividend Frequency: Quarterly
Dividend Frequency: Monthly
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Early withdrawal penalty may be imposed
Base APY; Early withdrawal penalty may be imposed
Silver Hawk Club; age 50 or better with $5,000 minimum balance in deposit accounts
Davenport 18 Month CD Rates
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Minimum opening deposit $500; all certificates renewable with 10-day grace period; penalty for early withdrawal; APY accurate as of October 14, 2026
Silver Hawk Club; age 50 or better with $5,000 minimum balance in deposit accounts
Dividend Frequency: Monthly
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
- Oct 5, 20263.40%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20263.30%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Rates effective as of 02/10/26; APR* column printed as 2.33%; early withdrawals may be subject to a penalty
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Davenport 24 Month CD Rates
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Sep 27, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Early withdrawal penalty may be imposed
Base APY; Early withdrawal penalty may be imposed
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
- Oct 5, 20263.65%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20263.55%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Dividend Frequency: Quarterly
Rates effective as of 02/10/26; APR* column printed as 2.73%; early withdrawals may be subject to a penalty
Dividend Frequency: Quarterly
EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit)
Davenport 36 Month CD Rates
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Dividend Frequency: Quarterly
Dividend Frequency: Quarterly
Rates effective as of 02/10/26; APR* column printed as 2.82%; early withdrawals may be subject to a penalty
EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit)
Standard
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Early withdrawal penalty may be imposed
Davenport 48 Month CD Rates
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20264.00%▲ from 3.25%
- Sep 14, 20263.25%first recorded
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Oct 1, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Early withdrawal penalty may apply
Rates effective as of 02/10/26; APR* column printed as 2.92%; early withdrawals may be subject to a penalty
EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit)
Standard
Silver Hawk Club; age 50 or better with $5,000 minimum balance in deposit accounts
Minimum opening deposit $500; all certificates renewable with 10-day grace period; penalty for early withdrawal; APY accurate as of October 14, 2026
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Davenport 60 Month CD Rates
Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
Minimum Balance to Earn Dividends: $1,000; APY is current as of 10/01/2026; Penalty may be imposed for early withdrawal and subject to account closure
- Oct 26, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
IRA/HSA & Share Certificate Rates; Rate = dividend rate
- Oct 1, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Dividend Frequency: Quarterly
Dividend Frequency: Quarterly
Silver Hawk Club; age 50 or better with $5,000 minimum balance in deposit accounts
Rates effective as of 02/10/26; APR* column printed as 2.97%; early withdrawals may be subject to a penalty
EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit)
Standard
Minimum opening deposit $500; all certificates renewable with 10-day grace period; penalty for early withdrawal; APY accurate as of October 14, 2026
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Davenport, IA CD Rate Trends
Compare local Davenport, 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.
Iowa 12-month CD rates fell 0.006 points over the past 7 days to 2.889% APY.
Iowa 6-month CD rates rose 0.002 points over the past 7 days to 2.812% APY.
IA CD Rate Forecast, Next 12 Months
Where are Iowa CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.803% | $90.16 | $180.32 | $450.80 | $901.60 |
| 6-Month CD | 2.812% | $140.59 | $281.17 | $702.93 | $1,405.85 |
| 12-Month CD | 2.889% | $144.43 | $288.85 | $722.13 | $1,444.25 |
| 18-Month CD | 2.968% | $148.40 | $296.80 | $742.00 | $1,484.00 |
| 24-Month CD | 2.792% | $139.61 | $279.21 | $698.03 | $1,396.05 |
| 36-Month CD | 2.677% | $133.83 | $267.66 | $669.15 | $1,338.30 |
| 48-Month CD | 2.710% | $135.49 | $270.98 | $677.45 | $1,354.90 |
| 60-Month CD | 2.732% | $136.58 | $273.16 | $682.90 | $1,365.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 9, 2026. | |||||
Sample CD Ladder for Davenport, 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 | 1.803% | $90.16 |
| 2 | 6-Month CD | $5,000 | 2.812% | $140.59 |
| 3 | 12-Month CD | $5,000 | 2.889% | $144.43 |
| 4 | 24-Month CD | $5,000 | 2.792% | $139.61 |
| 5 | 36-Month CD | $5,000 | 2.677% | $133.83 |
| Total ($25,000 invested) | $25,000 | 2.594% blended | $648.62/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.
Tracked in Davenport, Iowa
About Our Davenport, Iowa CD Rate Database
MonitorBankRates tracks 1,397 CD rates from 75 banks and 34 credit unions with locations in Davenport, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Marine Credit Union offers a CD at 4.66% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Davenport, Iowa.
How to Find the Best CD Rates in Davenport, Iowa
What to compare when shopping for a CD in Davenport, Iowa
To find the best APYs in Davenport, Iowa, start with credit unions and online-only banks: Davenport, Iowa has 34 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 Davenport, 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 Davenport, Iowa: 109 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Davenport, 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 Davenport, Iowa money market rates
Davenport, Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
16.4% of residents are 65 or older, below the national average of 17.3%. At today’s IA 12-month CD average of 2.889%, saving 10% of the local median salary ($4,006/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 Davenport, 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 |
CD Product Information
How CDs Work
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 Davenport, 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 Davenport, Iowa as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Davenport, Iowa savers easier access to their funds. For example, Vibrant Credit Union is offering its 6-Month CD Special at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Marine Credit Union is offering its Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
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 Davenport, 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
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 Davenport, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Davenport, 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 Davenport, Iowa
What are CD rates in Davenport, Iowa today?
Are CD rates in Davenport, Iowa FDIC insured?
Do I have to pay state taxes on CD interest in Davenport, Iowa?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Davenport, Iowa?
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- Empeople Credit Union: 4.40% APY (18 Month Share Certificate)
- American Bank and Trust Company, N.A.: 4.35% APY (24 Month Certificate of Deposit - Diamond)
- Vibrant Credit Union: 4.25% APY (6-Month CD Special)
- Ascentra Credit Union: 4.25% APY (Certificate - 18 Months)
- R.I.A. Federal Credit Union: 3.92% APY (Share Certificate - 6 Months)
- Blackhawk Bank & Trust: 3.50% APY (18 Month Silver Hawk Club Certificate of Deposit)
- Great Southern Bank: 3.40% APY (3-Month CD)
- The Family Credit Union: 3.00% APY (Share Certificates (CD's) - 60 Month)
- DuTrac Community Credit Union: 2.50% APY (Certificate of Deposit - 6 Months - EcoPlus Account Bonus)
Davenport, 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 Davenport, Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 Davenport, Iowa
At today’s IA top rate of 4.66% APY, a $10,000 deposit earns $466 in the first year. Enter your amount to see your exact return.
Davenport, Iowa CD LadderIA CD rates currently range from 1.803% (3-month) to 2.677% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Davenport, Iowa CD at 4.66% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.889% 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 Davenport, 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 Davenport, 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 Davenport, 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.
Davenport, Iowa Rates & Resources
