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Des Moines, Iowa Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Des Moines, Iowa CD rates include Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A5.0 ★Texas Ratio: 13.71%Real return: +1.45%APY minus CPI (February 2026) offering 6-Month CD Special at 4.25% APY, Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA 50314 3403A+5.0 ★Texas Ratio: 4.63%Real return: +1.43%APY minus CPI (February 2026) offering 6 Month Jumbo Certificates at 4.23% APY, TruBankTruBank612 Army Post Rd, Des Moines, IA 50315A5.0 ★Texas Ratio: 11.45%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month CD Special at 4.20% APY, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA 50309 2010A+5.0 ★Texas Ratio: 3.26%Real return: +1.33%APY minus CPI (February 2026) offering 60-MONTH CERTIFICATE at 4.13% APY, and Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 3.09%Real return: +1.26%APY minus CPI (February 2026) offering 12 MONTH CERTIFICATE at 4.06% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Des Moines has 206 local institutions in our database, with CD rates as high as 4.25% APY from Vibrant Credit Union at 520 E Grand Ave, Des Moines, IA 50309. 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: September 22, 2026
Compare Best CD Rates in Des Moines, Iowa & the Surrounding Area
Des Moines 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Gold Tier
$0
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Silver Tier
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Promotional CD
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Published APY range: 3.29% to 3.80%; Published rate range: 3.25% to 3.75%. Earn our highest rates* when you qualify for the Platinum tier of our Benefits Banking Loyalty Program . Open Online
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 3 months
$0
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.21% below avg
Details
Balance: $1,000.00 through $249,999.99
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
115 7th Street, Des Moines, IA 50309
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
115 7th Street, Des Moines, IA 50309
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3 Month Youth Certificates
$100
4.00%
▲ 1.94% above national avg
▼
Rate3.94%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
$30,000 Max. - Penalty for Early Withdrawal. Only available for members under age 18. Member may add to certificate balance at any time.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Month Certificate of Deposit
$100,000
3.91%
▲ 1.85% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.85% above avg
Details
Balance: $100,000 and above
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
3 Month Certificates of Deposits (CDs)
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.74% above avg
Details
At Maturity
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Month Certificate of Deposit
$2,000
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Balance: $2,000 to $99,999.99
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 month CD Special
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.69% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$1,000
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.59% above avg
Details
Interest Compounded and Credited At Maturity
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3 Month Certificate
$1,000
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.49% above avg
Details
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
3 Month CD
$25,000
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.38% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
APY = Annual Percentage Yield; Minimum balance to obtain APY is $1,000. Early withdrawal penalties may apply. Non-institutional funds only. Rate current as of 12/11/25.
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
3 Month CD
$10,000
3.19%
▲ 1.13% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.13% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.14%
▲ 1.08% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.08% above avg
Details
Balance: $100,000 & over
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3 Month Share Certificate
$500
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.04% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.97% above avg
Details
Balance: $1,000-$99,999
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Certificate
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 Month Share Certificate
$500
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.79% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Share Certificates and IRAs
$0
2.84%
▲ 0.78% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.78% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Share Certificates and IRAs
$0
2.79%
▲ 0.73% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.73% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Share Certificates and IRAs
$0
2.74%
▲ 0.68% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.68% above avg
Details
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Share Certificates and IRAs
$0
2.69%
▲ 0.63% above national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.63% above avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Month Certificates of Deposit (CD)
$0
2.65%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.59% above avg
Details
Balance: $50,000 - $99,999
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
3 Month Certificate
$1,000
2.37%
▲ 0.31% above national avg
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.31% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$50,000
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.21% above avg
Details
IRA
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$500
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.21% above avg
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month Certificate
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.19% above avg
Details
Balance: $500.00
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$15,000
2.17%
▲ 0.11% above national avg
▼
Rate2.15%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.11% above avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Month Certificates of Deposit (CD)
$0
2.14%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.08% above avg
Details
Balance: $25,000 - $49,999
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$1,000
2.07%
▲ 0.01% above national avg
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.01% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$50,000
2.07%
▲ 0.01% above national avg
▼
Rate2.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.01% above avg
Details
IRA
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$15,000
2.05%
▼ 0.01% below national avg
▼
Rate2.03%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.01% below avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$2,500
2.03%
▼ 0.03% below national avg
▼
Rate2.01%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.03% below avg
Details
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
3 Month Certificate of Deposit
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.04% below avg
Details
APY* Quarterly
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Certificate
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.22% below national avg
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.22% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
90 Day CD
$0
1.81%
▼ 0.25% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.25% below avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Month Certificates of Deposit (CD)
$0
1.64%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.42% below avg
Details
Balance: $10,000 - $24,999
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month Certificate
$75,000
1.56%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.50% below avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
3 Month Certificate of Deposit
$10,000
1.50%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.56% below avg
Details
Balance: $10,000 - $1,000
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
3 Month Certificates
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.56% below avg
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month Certificate
$500
1.41%
▼ 0.65% below national avg
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.65% below avg
Details
Des Moines 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
520 E Grand Ave, Des Moines, IA 50309
6-Month CD Special
$0
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Jumbo Certificates
$0
4.23%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.47% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Premier Certificates
$0
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.37% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4605 Fleur Dr, Des Moines, IA 50321
6 Month CD Options
$0
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Youth Certificates
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.26% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
6 Month Share Certificate
$5,000
4.01%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 6-month
$250
4.01%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details
Penalty: 3 month
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.00% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
Balance: $100,000 and over
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
1922 Ingersoll Ave, Des Moines, IA 50309
6 Month Certificate of Deposit (CD)
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.75% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
Balance: $1000 to $49,999.99
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
6 Month Business Share Certificates
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.38% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
6 Month Share Certificates
$1,000
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.38% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 6 months
$0
0.90%
▼ 1.86% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.86% below avg
Details
Balance: $1,000.00 through $249,999.99
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
6 Month Regular & IRA Certificates
$0
0.65%
▼ 2.11% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 2.11% below avg
Details
Minimum balance required
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
115 7th Street, Des Moines, IA 50309
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
115 7th Street, Des Moines, IA 50309
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
6 Month Share Certificate
$500
4.50%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.74% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month JUMBO Certificate
$100,000
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Term: 6 months (Limited Time Special); Penalty for Early Withdrawal
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.22%
▲ 1.46% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.46% above avg
Details
Balance: $100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month CD
$100,000
4.19%
▲ 1.43% above national avg
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.43% above avg
Details
Balance: $100,000 and above
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month Share Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.39% above avg
Details
Term: 6 months (Limited Time Special); Penalty for Early Withdrawal
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.11%
▲ 1.35% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.35% above avg
Details
Balance: $1,000-$99,999
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$100,000
4.05%
▲ 1.29% above national avg
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Member Loyalty APY: 4.20%; Period: Quarterly; Amount: $100,000.00 & greater
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month CD
$2,000
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.28% above avg
Details
Balance: $2,000 to $99,999.99
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
6 Month Certificate Special
$1,500
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
6 Month Certificate
$10,000
4.00%
▲ 1.24% above national avg
▼
Rate3.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
6 Month Share Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Compounding Period: Quarterly
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$1,000
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Member Loyalty APY: 4.10%; Period: Quarterly; Amount: $1,000.00-99,999.99
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month Share Certificate
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.16% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
6 Month CD
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
not applicable to IRAs
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
6 Month Certificates of Deposits (CDs)
$0
3.89%
▲ 1.13% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.13% above avg
Details
Semi-Annually
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Month Share Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.06% above avg
Details
Balance: $100,000+
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $10,000 to $49,999.99
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month Certificate
$500
3.74%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.98% above avg
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Month Share Certificate
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.95% above avg
Details
Balance: $10,000-$99,999
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Diamond APY
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
6 Month Certificate
$50,000
3.68%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.92% above avg
Details
IRA
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
Certificates of Deposit - 6 Month
$0
3.68%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.92% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.68%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.92% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
6 Month Certificate
$1,000
3.66%
▲ 0.90% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.90% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
Platinum APY
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
Interest Compounded and Credited At Maturity
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Month Share Certificate
$0
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
Balance: $1,000-$9,999
Des Moines 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Jumbo Certificates
$0
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.23% above avg
Details
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
6-12 Month CD Special
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.20% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Premier Certificates
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.12% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 MONTH CERTIFICATE
$10,000
4.06%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.11% above avg
Details
LIMITED TIME ONLY!
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
12 Month CD Special
$0
4.05%
▲ 1.10% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.10% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Youth Certificates
$0
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.07% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4605 Fleur Dr, Des Moines, IA 50321
12 Month CD Options
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
1 Year Share Certificate
$5,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 1-year
$250
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details
Penalty: 3 month
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
2222 Grand Avenue, Des Moines, IA 50312
12 Month CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
CD Specials
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
12 Month Certificates of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Certificates
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.81% above avg
Details
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
6-12 Month CD Special
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
12 Month Youth Mini Certificates of Deposit
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.76% above avg
Details
Balance: $250 - $1,000
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
12-MONTH CERTIFICATE
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.76% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 12-MONTH CERTIFICATE
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.76% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
Premier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
800 9th St, Des Moines, IA 50309
12 Month Kirby Kids CD
$100
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
add-on CD, ongoing deposits allowed during the term, monthly savings updates, fixed-term savings structure
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
12 Month Certificates of Deposit
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.70% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
12-MONTH CERTIFICATE
$0
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.66% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 12-MONTH CERTIFICATE
$0
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.66% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
1922 Ingersoll Ave, Des Moines, IA 50309
12 Month Certificate of Deposit (CD)
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.65% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
12-MONTH CERTIFICATE
$0
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.56% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 12-MONTH CERTIFICATE
$0
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.56% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
1 Year Certificate of Deposit
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.50% above avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
1 Year IRA CD
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.50% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
12 Month Business Share Certificates
$0
3.20%
▲ 0.25% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.25% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
12 Month Share Certificates
$1,000
3.20%
▲ 0.25% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.25% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
1 Year Share Certificate
$500
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.08% above avg
Details
Penalty: 3 month
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
1 Year Certificate of Deposit
$0
2.70%
▼ 0.25% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.25% below avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
1 Year IRA CD
$0
2.70%
▼ 0.25% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.25% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
12 Months - Platinum Tier
$0
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month IRA Certificates: minimum
$0
1.76%
▼ 1.19% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.19% below avg
Details
$25,000
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month IRA Certificate
$0
1.75%
▼ 1.20% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.20% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
12 Months - Gold Tier
$0
1.70%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.25% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
12 Months - Silver Tier
$0
1.60%
▼ 1.35% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.35% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
115 7th Street, Des Moines, IA 50309
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
115 7th Street, Des Moines, IA 50309
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
12 Months - Bronze Tier
$0
1.50%
▼ 1.45% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
12 Month Certificate
$0
1.30%
▼ 1.65% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.65% below avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Certificates/IRA Certificates: minimum
$0
1.26%
▼ 1.69% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.69% below avg
Details
$1,000
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 12 months
$0
1.00%
▼ 1.95% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 1.95% below avg
Details
Balance: $1,000.00 through $249,999.99
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Standard IRA CD - 12 months
$0
1.00%
▼ 1.95% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 1.95% below avg
Details
Balance: $0.00 through $249,999.99
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA 50309
12 Month Certificate of Deposit
$0
1.00%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.95% below avg
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
12 Month Regular & IRA Certificates
$0
0.86%
▼ 2.09% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.09% below avg
Details
Minimum balance required
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Month JUMBO Certificate
$100,000
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
Term: 12 months (Limited Time Special); Penalty for Early Withdrawal
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12 Month CD
$100,000
4.24%
▲ 1.29% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.29% above avg
Details
Balance: $100,000 and above
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
4.16%
▲ 1.21% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.21% above avg
Details
Balance: $100,000 & over
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Month Share Certificate
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Term: 12 months (Limited Time Special); Penalty for Early Withdrawal
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1 Year Share Certificate
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
Des Moines 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
18 Month CD Special
$0
4.20%
▲ 1.39% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.39% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4605 Fleur Dr, Des Moines, IA 50321
18 Month CD Options
$0
4.01%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.20% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
18 Month Share Certificate
$5,000
3.81%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.00% above avg
Details
Penalty: 6 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 18-month
$250
3.81%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.00% above avg
Details
Penalty: 6 month
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
18 Month Certificates of Deposit
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.99% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 MONTH CERTIFICATE
$10,000
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
LIMITED TIME ONLY!
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
18 Month Special Certificates
$0
3.76%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.95% above avg
Details
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
2222 Grand Avenue, Des Moines, IA 50312
18 Month CD
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.94% above avg
Details
CD Specials
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
18 Month Certificates of Deposit
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.84% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
18 Month Certificate Specials
$0
3.46%
▲ 0.65% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.65% above avg
Details
Balance: Minimum $5,000 balance required
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
1922 Ingersoll Ave, Des Moines, IA 50309
18 Month Certificate of Deposit (CD)
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.49% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
18 Month Business Share Certificates
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
18 Month Share Certificates
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month IRA Certificate
$0
2.02%
▼ 0.79% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 0.79% below avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Certificates/IRA Certificates: minimum
$0
1.26%
▼ 1.55% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.55% below avg
Details
$1,000
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 18 months
$0
1.21%
▼ 1.60% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▼ 1.60% below avg
Details
Balance: $1,000.00 through $249,999.99
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA 50309
18 Month Certificate of Deposit
$0
0.75%
▼ 2.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 2.06% below avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Month JUMBO Certificate
$100,000
4.30%
▲ 1.49% above national avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.49% above avg
Details
Term: 18 months (Limited Time Special); Penalty for Early Withdrawal
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.44% above avg
Details
Bump-Up CD; Available for a limited time only; Allows you to increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 Month Certificate of Deposit
$100,000
4.24%
▲ 1.43% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.43% above avg
Details
Balance: $100,000 and above
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Month Share Certificate
$0
4.20%
▲ 1.39% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.39% above avg
Details
Term: 18 months (Limited Time Special); Penalty for Early Withdrawal
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.39% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.39% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Adjust-A-Rate CD - 18 Month
$1,000
4.14%
▲ 1.33% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.33% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 Month Certificate of Deposit
$2,000
4.09%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.28% above avg
Details
Balance: $2,000 to $99,999.99
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18 Month Certificates of Deposits (CDs)
$0
4.04%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.23% above avg
Details
Semi-Annually
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
18 Month CD
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.19% above avg
Details
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
7 - 18 Month CD
$5,000
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
18 Month Certificate
$0
3.84%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.03% above avg
Details
Balance: $100,000.00 and Over
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
18 Month Certificate of Deposit
$10,000
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.99% above avg
Details
Balance: $10,000 - $1,000
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Certificate
$1,000
3.80%
▲ 0.99% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.99% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
3.76%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.95% above avg
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month Certificate Special
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 Month IRA Certificate Special
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18-month CD Special
$500
3.75%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
APY = Annual Percentage Yield. Rate subject to change without notice. Penalty for early withdrawal. APY is accurate as of 01/01/2026. Some restrictions may apply.
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
18 Month Certificate
$0
3.73%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.92% above avg
Details
Balance: $0.00 - $24,999.99
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
18 Month Certificate
$1,000
3.71%
▲ 0.90% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.90% above avg
Details
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
18 Month CD
$25,000
3.60%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.79% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
18 Month CD
$0
3.60%
▲ 0.79% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.79% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 Month Certificate of Deposit (CD)
$0
3.58%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.77% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
3.56%
▲ 0.75% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.75% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month CD
$0
3.55%
▲ 0.74% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.74% above avg
Details
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
18 Month Certificate of Deposit
$1,000
3.54%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.73% above avg
Details
Compounding & Crediting Frequency: semi-annually
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
Certificates of Deposit - 18 Month
$0
3.53%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.72% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Share Certificate
$500
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
18 Month Share Certificate
$0
3.45%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.64% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
18 Month Certificate
$1,500
3.43%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.62% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
18 Month and Build CD
$1,000
3.40%
▲ 0.59% above national avg
▼
Rate3.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.59% above avg
Details
Interest Compounded and Credited Semi-Annually
Ashton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
18 Month Certificate of Deposit
$0
3.39%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.58% above avg
Details
APY* Quarterly
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
Certificates of Deposit - 18 Month
$0
3.38%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.57% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Business Term Share Certificate
$0
3.35%
▲ 0.54% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.54% above avg
Details
Balance: $100,000.00 and greater; Compounding Period: Quarterly
Des Moines 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 MONTH CERTIFICATE
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Jumbo Certificates
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month Youth Mini Certificates of Deposit
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details
Balance: $250 - $1,000
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Premier Certificates
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.04% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Youth Certificates
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.04% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.04% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.04% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
24 Month Certificates of Deposit
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.97% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.93% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.93% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
2222 Grand Avenue, Des Moines, IA 50312
24 Month CD
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.87% above avg
Details
CD Specials
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
24 Month Certificates of Deposit
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.82% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Certificates
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.73% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 MONTH CERTIFICATE
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
1922 Ingersoll Ave, Des Moines, IA 50309
24 Month Certificate of Deposit (CD)
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.47% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
24 Month Business Share Certificates
$0
3.29%
▲ 0.46% above national avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.46% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
24 Month Share Certificates
$1,000
3.29%
▲ 0.46% above national avg
▼
Rate3.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.46% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 MONTH CERTIFICATE
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
2 Year Certificate of Deposit
$0
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.20% above avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
2 Year IRA CD
$0
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.20% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month IRA Certificates: minimum
$0
2.53%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.30% below avg
Details
$25,000
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month IRA Certificate
$0
2.52%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.31% below avg
Details
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
2 Year Certificate of Deposit
$0
2.27%
▼ 0.56% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.56% below avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
2 Year IRA CD
$0
2.27%
▼ 0.56% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.56% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
24 Months - Platinum Tier
$0
1.85%
▼ 0.98% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.98% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month Certificates/IRA Certificates: minimum
$0
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.07% below avg
Details
$1,000
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
24 Months - Gold Tier
$0
1.75%
▼ 1.08% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.08% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
24 Months - Silver Tier
$0
1.65%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.18% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
24 Months - Bronze Tier
$0
1.55%
▼ 1.28% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.28% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
24 Month Regular & IRA Certificates
$0
1.52%
▼ 1.31% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.31% below avg
Details
Minimum balance required
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
24 Month Certificate
$0
1.35%
▼ 1.48% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.48% below avg
Details
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 24 months
$0
1.31%
▼ 1.52% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.52% below avg
Details
Balance: $1,000.00 through $249,999.99
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Standard IRA CD - 24 months
$0
1.21%
▼ 1.62% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.62% below avg
Details
Balance: $0.00 through $249,999.99
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA 50309
24 Month Certificate of Deposit
$0
0.50%
▼ 2.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 2.33% below avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24 Month Certificate of Deposit
$100,000
4.35%
▲ 1.52% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.52% above avg
Details
Balance: $100,000 and above
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Month JUMBO Certificate
$100,000
4.30%
▲ 1.47% above national avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.47% above avg
Details
Term: 24 months (Limited Time Special); Penalty for Early Withdrawal
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 Month CD Specials
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.42% above avg
Details
Balance: $225,000.00 and above
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month Certificate
$0
4.22%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.39% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Month Share Certificate
$0
4.20%
▲ 1.37% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
Term: 24 months (Limited Time Special); Penalty for Early Withdrawal
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24 Month Certificate of Deposit
$2,000
4.19%
▲ 1.36% above national avg
▼
Rate4.15%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.36% above avg
Details
Balance: $2,000 to $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
4.16%
▲ 1.33% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.33% above avg
Details
Balance: $100,000 & over
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 Month CD Specials
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.32% above avg
Details
Balance: $125,000.00-$224,999.99`
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month Certificate
$0
4.11%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.28% above avg
Details
Balance: $10,000 to $49,999.99
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
24 Month Time Share Certificate
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2 Year Certificates of Deposits (CDs)
$0
4.09%
▲ 1.26% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.26% above avg
Details
Semi-Annually
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month Certificate
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.23% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.23% above avg
Details
Balance: $1,000-$99,999
Des Moines 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
4.02%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.27% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
4.02%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.27% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.17% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.17% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Jumbo Certificates
$0
3.87%
▲ 1.12% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.12% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
36 Month Certificates of Deposit
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.05% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Premier Certificates
$0
3.76%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.01% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
IRA 36 Month Share Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
36 Month Certificates of Deposit
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.90% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Certificates
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.70% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
36 Month Business Share Certificates
$0
3.31%
▲ 0.56% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.56% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
36 Month Share Certificates
$1,000
3.31%
▲ 0.56% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.56% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month Certificates
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Standard IRA CD - 36 months
$0
2.53%
▼ 0.22% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 0.22% below avg
Details
Balance: $0.00 through $249,999.99
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month IRA Certificate
$0
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.25% below avg
Details
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
3 Year Certificate of Deposit
$0
2.32%
▼ 0.43% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.43% below avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
3 Year IRA CD
$0
2.32%
▼ 0.43% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.43% below avg
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
36 Month Regular & IRA Certificates
$0
2.02%
▼ 0.73% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.73% below avg
Details
Minimum balance required
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
36 Months - Platinum Tier
$0
1.90%
▼ 0.85% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 0.85% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
36 Months - Gold Tier
$0
1.80%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 0.95% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
3 Year Certificate of Deposit
$0
1.76%
▼ 0.99% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.99% below avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
3 Year IRA CD
$0
1.76%
▼ 0.99% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.99% below avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month Certificates/IRA Certificates: minimum
$0
1.75%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.00% below avg
Details
$1,000
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
36 Months - Silver Tier
$0
1.70%
▼ 1.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.05% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
36 Months - Bronze Tier
$0
1.60%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.15% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
36 Month Certificate
$0
1.40%
▼ 1.35% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.35% below avg
Details
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 36 months
$0
1.36%
▼ 1.39% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 1.39% below avg
Details
Balance: $1,000.00 through $249,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
36 Month Certificate of Deposit
$0
4.35%
▲ 1.60% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.60% above avg
Details
Balance: $100,000 and above
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
36 Month Certificate of Deposit
$0
4.19%
▲ 1.44% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.44% above avg
Details
Balance: $2,000 - $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.16%
▲ 1.41% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.41% above avg
Details
Balance: $100,000 & over
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.06%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.31% above avg
Details
Balance: $1,000-$99,999
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Adjust-A-Rate CD - 36 Month
$1,000
3.89%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.14% above avg
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 month CD Special One Way
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
3 Year Certificates of Deposits (CDs)
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.05% above avg
Details
Quarterly
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
36 Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.05% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
36 Month Certificate
$0
3.79%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.04% above avg
Details
Balance: $100,000.00 and Over
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
36 Month JUMBO Certificate
$100,000
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Penalty for Early Withdrawal
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
36 Month Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.95% above avg
Details
Balance: $10,000 to $49,999.99
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month CD
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.95% above avg
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Traditional & Roth IRA CD
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.95% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
36 Month Certificate
$3,000
3.65%
▲ 0.90% above national avg
▼
Rate3.62%
Min Deposit$3,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36 Month Certificate
$1,000
3.65%
▲ 0.90% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
**
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3 Year Share Certificate
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
36 Month Share Certificate
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
Penalty for Early Withdrawal
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36 Month Certificate of Deposit (CD)
$0
3.63%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.88% above avg
Details
Des Moines 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
4.08%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.32% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
4.08%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.32% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
48 Month Certificates of Deposit
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Jumbo Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.00% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Premier Certificates
$0
3.66%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.90% above avg
Details
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
520 E Grand Ave, Des Moines, IA 50309
48-Month CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
48 Month Certificates of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Certificates
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
48 Month Business Share Certificates
$0
3.33%
▲ 0.57% above national avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.57% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
48 Month Share Certificates
$1,000
3.33%
▲ 0.57% above national avg
▼
Rate3.28%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.57% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
48 Month Regular & IRA Certificates
$0
2.07%
▼ 0.69% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.69% below avg
Details
Minimum balance required
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
48 Month Variable Certificate
$0
2.07%
▼ 0.69% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.69% below avg
Details
Balance: Minimum $500 balance required
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
48 Months - Platinum Tier
$0
1.95%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.81% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
48 Months - Gold Tier
$0
1.85%
▼ 0.91% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.91% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
48 Months - Silver Tier
$0
1.75%
▼ 1.01% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.01% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
48 Months - Bronze Tier
$0
1.65%
▼ 1.11% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.11% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
48 Month Certificate
$0
1.45%
▼ 1.31% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.31% below avg
Details
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 48 months
$0
1.41%
▼ 1.35% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.35% below avg
Details
Balance: $1,000.00 through $249,999.99
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Standard IRA CD - 48 months
$0
1.41%
▼ 1.35% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.35% below avg
Details
Balance: $0.00 through $249,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
48 Month Certificate of Deposit
$0
4.30%
▲ 1.54% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Balance: $100,000 and above
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
48 Month Certificate
$10,000
4.25%
▲ 1.49% above national avg
▼
Rate4.21%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.16%
▲ 1.40% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.40% above avg
Details
Balance: $100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
48 Month Certificate of Deposit
$0
4.14%
▲ 1.38% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.38% above avg
Details
Balance: $2,000 - $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.30% above avg
Details
Balance: $1,000-$99,999
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
48 Month Certificate
$0
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.03% above avg
Details
Balance: $100,000.00 and Over
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
48 Month CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000 to $49,999.99
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
4 Year Share Certificate
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48 Month Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
48 Month Certificate
$5,000
3.64%
▲ 0.88% above national avg
▼
Rate3.61%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.88% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.84% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4 Year Certificates of Deposits (CDs)
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
Quarterly
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48-Month Term
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $50,000.00 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
48 Month Certificate
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
48 Month Certificate
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.77% above avg
Details
Balance: $0.00 - $24,999.99
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
Certificates of Deposit - 48 Month
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.77% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
48 Month 1 Step Up Certificate of Deposit
$10,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $10,000 - $1,000
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.69% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
48 Month Certificate
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48-Month Term
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.68% above avg
Details
Balance: $25,000.00-$49,999.99
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
Certificates of Deposit - 48 Month
$0
3.38%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.62% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Time Certificates of Deposit (CD)
$2,500
3.35%
▲ 0.59% above national avg
▼
Rate3.32%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.59% above avg
Details
Des Moines 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.30% above avg
Details
Balance: $100,000 and over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.30% above avg
Details
Balance: $100,000 and over; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.19% above avg
Details
Balance: $50,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.19% above avg
Details
Balance: $50,000 to $99,999.99; IRA & ESA Certificate of Deposit
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
3.92%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.09% above avg
Details
Balance: $1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
3.92%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.09% above avg
Details
Balance: $1000 to $49,999.99; IRA & ESA Certificate of Deposit
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
60 Month Certificates of Deposit
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.97% above avg
Details
Balance: $15,000 & Above; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Jumbo Certificates
$0
3.71%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.88% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
60 Month Certificates of Deposit
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.82% above avg
Details
Balance: $1,000-$14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Premier Certificates
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.78% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
60 Month Business Share Certificates
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA 50317 2406
60 Month Share Certificates
$1,000
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Certificates
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
5 Year Share Certificate
$5,000
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.20% above avg
Details
Penalty: 6 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificate - 5-year
$250
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.20% above avg
Details
Penalty: 6 month
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Standard IRA CD - 60 months
$0
2.63%
▼ 0.20% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.20% below avg
Details
Balance: $0.00 through $249,999.99
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
5 Year Certificate of Deposit
$0
2.37%
▼ 0.46% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.46% below avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
5 Year IRA CD
$0
2.37%
▼ 0.46% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.46% below avg
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
60 Month Regular & IRA Certificates
$0
2.13%
▼ 0.70% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.70% below avg
Details
Minimum balance required
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
60 Month Variable Certificate
$0
2.13%
▼ 0.70% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.70% below avg
Details
Balance: Minimum $500 balance required
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA 50321 2327
60 Month Variable Education Certificate
$0
2.13%
▼ 0.70% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.70% below avg
Details
Balance: Minimum $500 balance required
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
60 Month Certificate of Deposit
$0
2.10%
▼ 0.73% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.73% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
60 Months - Platinum Tier
$0
2.00%
▼ 0.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.83% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
60 Months - Gold Tier
$0
1.90%
▼ 0.93% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.93% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
60 Months - Silver Tier
$0
1.80%
▼ 1.03% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.03% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
60 Months - Bronze Tier
$0
1.70%
▼ 1.13% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.13% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
60 Month Certificate
$0
1.50%
▼ 1.33% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CD - 60 months
$0
1.41%
▼ 1.42% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.42% below avg
Details
Balance: $1,000.00 through $249,999.99
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
5 Year Certificate of Deposit
$0
1.26%
▼ 1.57% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.57% below avg
Details
IRA CDs are also available at these current terms.
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA 50309
5 Year IRA CD
$0
1.26%
▼ 1.57% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.57% below avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
5 Year Certificate of Deposit
$0
4.30%
▲ 1.47% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Balance: $100,000 and above
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$1,000
4.16%
▲ 1.33% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.33% above avg
Details
Balance: $100,000 & over
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
5 Year Certificate of Deposit
$0
4.14%
▲ 1.31% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.31% above avg
Details
Balance: $2,000 - $99,999.99
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$1,000
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.23% above avg
Details
Balance: $1,000-$99,999
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month Certificate
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.08% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.97% above avg
Details
Balance: $10,000 to $49,999.99
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month CD
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.97% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
60 Month Certificate
$0
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.96% above avg
Details
Balance: $100,000.00 and Over
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Adjust-A-Rate CD - 60 Month
$1,000
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.96% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
5 Year Share Certificate
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month Certificate
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.87% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
60 Month Certificate of Deposit (CD)
$0
3.63%
▲ 0.80% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.80% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60-Month Term
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $50,000 and above
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
60 Month Certificate
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
60 Month Certificate
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Month Certificate
$0
3.53%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.70% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
60 Month Certificate
$0
3.53%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.70% above avg
Details
Balance: $0.00 - $24,999.99
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
5 Year Certificates of Deposits (CDs)
$0
3.53%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.70% above avg
Details
Semi-Annually
Reliance State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
Certificates of Deposit - 60 Month
$0
3.53%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.70% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
60 Month 2 Step Ups Certificate of Deposit
$10,000
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $10,000 - $1,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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.
Des Moines, IA CD Rate Trends
Compare local Des Moines, 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.
12-Month CD IA Avg
2.945%
▲ 0.004 vs 7 days ago
Iowa 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD IA Avg
2.760%
Unchanged vs 7 days ago
Iowa 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
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What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Des Moines, Iowa Savers
$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/yr | |
Ladder example uses equal $5,000 rungs and Iowa average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,260
CD Rates
Tracked in Des Moines, Iowa
Tracked in Des Moines, Iowa
66 Banks
40 Credit Unions
About Our Des Moines, Iowa CD Rate Database
MonitorBankRates tracks 1,260 CD rates from 66 banks and 40 credit unions with locations in Des Moines, 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 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Des Moines, Iowa.
How to Find the Best CD Rates in Des Moines, Iowa
What to compare when shopping for a CD in Des Moines, Iowa
To find the best APYs in Des Moines, Iowa, start with credit unions and online-only banks: Des Moines, Iowa has 40 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 Des Moines, 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 Des Moines, Iowa: 106 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Des Moines, 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 Des Moines, Iowa money market rates
Des Moines, Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.7%
National avg: 17.3%
Median Individual Earnings
$41,192
National avg: $47,340
Poverty Rate
15.0%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$121/yr
At IA 12-mo avg 2.945% APY
12.7% of residents are 65 or older, below the national average of 17.3%. At today’s IA 12-month CD average of 2.945%, saving 10% of the local median salary ($4,119/year) and putting it in a CD would earn an additional $121 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 Des Moines, Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Des Moines, 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 Des Moines, 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 Des Moines, Iowa as everywhere in the U.S.
Choosing a CD Term in Des Moines, 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 Des Moines, 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, Serve Credit Union is offering its 60-MONTH CERTIFICATE at 4.13% 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a Des Moines, 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 Des Moines, Iowa
Are CD rates in Des Moines, Iowa FDIC insured?
Yes, most established banks in Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa?
Here are recent top rates found for this area:
- Vibrant Credit Union: 4.25% APY (6-Month CD Special)
- Journey Credit Union: 4.23% APY (6 Month Jumbo Certificates)
- TruBank: 4.20% APY (18 Month CD Special)
- Serve Credit Union: 4.13% APY (60-MONTH CERTIFICATE)
- Affinity Credit Union: 4.06% APY (12 MONTH CERTIFICATE)
- Midwest Heritage Bank: 4.04% APY (6 Month CD Options)
- Des Moines Metro Credit Union: 4.01% APY (6 Month Share Certificate)
- Twin Cedars Bank: 3.90% APY (12 Month CD)
- Bankers Trust Company: 3.80% APY (3 Month Certificate - Loyalty Program Platinum Tier)
- Earlham Savings Bank: 3.80% APY (12 Month Certificates of Deposit)
Rates reflect recent verified offers available in Des Moines, Iowa. Last Updated: September 22, 2026
Des Moines, 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 Des Moines, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Des Moines, Iowa
Des Moines, Iowa CD Calculator
At today’s IA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Des Moines, Iowa CD LadderIA CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Des Moines, Iowa CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.945% 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026
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