CD Rates Halbur, Iowa (IA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Halbur, Iowa CD rates include Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.75%Real return: +1.35%APY minus CPI (February 2026) offering 12 Month Certificate at 4.15% APY, Affinity Credit UnionAffinity Credit UnionA+5.0 ★Texas Ratio: 4.17%Real return: +1.26%APY minus CPI (February 2026) offering 12 month Certificates at 4.06% APY, Des Moines Metro Credit UnionDes Moines Metro Credit UnionA+5.0 ★Texas Ratio: 2.01%Real return: +1.21%APY minus CPI (February 2026) offering 6-month IRA Share Certificates at 4.01% APY, Luana Savings BankLuana Savings BankA+5.0 ★Texas Ratio: 0.11%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.00% APY, and Green Belt Bank & TrustGreen Belt Bank & TrustA+5.0 ★Texas Ratio: 0.70%Real return: +1.20%APY minus CPI (February 2026) offering 24 Month Legacy CD at 4.00% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Halbur is a smaller community with no bank or credit union branches currently in our database. 256 institutions serving the Iowa area are available to Halbur residents, with CD rates as high as 4.15% APY from Cedar Falls Community Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
Compare Best CD Rates in Halbur, Iowa & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Youth Certificates 3 Month Add-On
$100
4.00%
▼
Rate3.94%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Certificates of Deposit Platinum Tier
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Loyalty Program
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
A Limited Time Offer!
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
Special Term CDs* 3 Month CD
$25,000
3.29%
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Month CD
$100,000
3.14%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 & over
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 3 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
At Maturity
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 month term Certificate of Deposit
$1,000
1.00%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 3 Month
$20,000
0.85%
▼
Rate0.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Certificates 3-month
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
3 MONTH/91 DAYS Certificate of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
3 Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate of Deposit
$500
0.14%
▼
Rate0.14%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3 Month Certificates of Deposit
$2,500
0.03%
▼
Rate0.03%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6-month IRA Share Certificates
$250
4.01%
▼
Rate3.95%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 Month CD
$100,000
3.91%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 & over
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6-month CDs
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Credit Union Webster City, IA
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
6 Month CD Limited Time Special
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
6 Month CD
$1,000
3.68%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$15,000
Min Balance—
UpdatedApr 12, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month Certificates of Deposit
$10,000
3.53%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6-MONTH CERTIFICATE
$100,000
3.51%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
6-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
As high as
Central State Bank State Center, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificates of Deposit
$1,500
3.48%
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 6 month
$90,000
3.35%
▼
Rate3.30%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
$90,000.00
Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Certificate of Deposit (CD) / Individual Retirement Account (IRA) Specials 6 month special
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
*Relationship Pricing APY: 3.49%; *Relationship Pricing Interest Rate: 3.45%
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 6 Month
$0
2.85%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$50,000
2.82%
▼
Rate2.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
6 mo. Term Share
$100,000
2.80%
▼
Rate2.76%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 6 Month
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Semi-Annually
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month Standard Certificates of Deposit
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 6 month certificate
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 6 Month
$20,000
1.61%
▼
Rate1.60%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 6 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 month term Certificate of Deposit
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 month certificate
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
6 Month Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
6 MONTH/182 DAYS Certificate of Deposit
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6-month Share Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 6 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificate of Deposit
$500
0.19%
▼
Rate0.19%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month Certificates of Deposit
$2,500
0.07%
▼
Rate0.07%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
12 Month Certificate
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 month Certificates
$10,000
4.06%
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
1-year IRA Share Certificates
$250
3.91%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
12 Month IRA Certificates
$100,000
3.89%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Month Certificate
$0
3.85%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$25,000 and above
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 & over
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 12 Month
$50,000
3.70%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 12, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 1 Year
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Semi-Annually
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year (12 months) CD
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA & ESA Certificate of Deposit 12-MONTH CERTIFICATE
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
Peoples Credit Union Webster City, IA
Institution Rating:
B+4.8 ★Texas Ratio: 17.80%
12 Month CD Limited Time Special
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
12 Month CD
$5,000
3.52%
▼
Rate3.47%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
12 Month Certificates of Deposit
$25,000
3.43%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Baby Bundle Certificates 12 Month
$25
3.40%
▼
Rate3.35%
Min Deposit$25
Min Balance—
UpdatedApr 12, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12-month Certificate of Deposit
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
12-Month Term
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
12 Month Certificate Account
$500
3.10%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Regular & IRA Certificates - 12 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$5,000
2.92%
▼
Rate2.90%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 12 Month
$20,000
2.87%
▼
Rate2.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
12 mo. Term Share
$100,000
2.79%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Certificates of Deposit (CDs) 1 Year
$25,000
2.75%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 12 month certificate
$500
2.60%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12-month CD
$5,000
2.52%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 1 Year
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
12 Month Certificate of Deposit (CD)
$150,000
1.75%
▼
Rate1.74%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Individual Retirement Account Certificates 12-month
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 month term Certificate of Deposit
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$1,000
1.46%
▼
Rate1.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 12 Month
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
12 MONTH Certificate of Deposit
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12-month Share Certificates
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
12 month certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
12 Month Certificate of Deposit
$500
0.21%
▼
Rate0.21%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
CDs - Certificate of Deposit 12 Month
$2,500
0.20%
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
18 Month IRA Certificates
$100,000
3.84%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
18-month IRA Share Certificates
$250
3.81%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Month Certificate
$0
3.80%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
18-month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate subject to change without notice. Penalty for early withdrawal. APY is accurate as of 01/01/2026. Minimum $500. Some restrictions may apply.
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 18 Month
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Semi-Annually
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 18 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
standard CD
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
18 Month and Build CD
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
Special Term CDs* 18 Month CD
$25,000
3.34%
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
18 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
18 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 18 month
$90,000
3.05%
▼
Rate3.00%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
$90,000.00
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$50,000
2.82%
▼
Rate2.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$100,000
2.76%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 18 Month
$20,000
2.11%
▼
Rate2.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificates: minimum 18 month
$25,000
2.02%
▼
Rate2.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
$25,000
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 18 Month
$50,000
2.00%
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
18 Month Certificate of Deposit (CD)
$150,000
1.85%
▼
Rate1.84%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Individual Retirement Account Certificates 18-month
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 18 Month
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
18 MONTH Certificate of Deposit
$500
0.60%
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
18 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
18-month Share Certificates
$0
0.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 Month Legacy CD
$20
4.00%
▼
Rate—
Min Deposit$20
Min Balance—
UpdatedApr 12, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Certificate of Deposit
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
24 Month IRA Certificates
$100,000
3.84%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD Special
$10,000
3.80%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
penalty for early withdrawal. Rate as of 4/10/2026 and subject to change.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
24 Month Certificate
$0
3.75%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000-$99,999
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 2 Year
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Semi-Annually
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 month Certificates
$10,000
3.55%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
24 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
24 Month, Bump CD and Build CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Baby Bundle Certificates 24 Month
$50
3.20%
▼
Rate3.15%
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
24 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year (24 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 2 Year
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
I2 24 Month Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
24 Month CD
$100,000
2.95%
▼
Rate2.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
24-Month Term
$25,000
2.93%
▼
Rate2.90%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$50,000
2.92%
▼
Rate2.90%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 24 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
$90,000.00
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 24 month certificate
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
24 mo. Term Share
$100,000
2.64%
▼
Rate2.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 24 Month
$20,000
2.36%
▼
Rate2.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 24 Month
$50,000
2.20%
▼
Rate2.19%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
24 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Individual Retirement Account Certificates 24-month
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
24 month term Certificate of Deposit
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 24 Month
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24 Month IRA CD
$30,000
0.95%
▼
Rate0.95%
Min Deposit$30,000
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
24 MONTH Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
24 Month Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
24-month Share Certificates
$0
0.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
CDs - Certificate of Deposit 24 Month
$2,500
0.35%
▼
Rate0.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month Certificate of Deposit
$500
0.28%
▼
Rate0.28%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Certificate of Deposit
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
36 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 & over
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
36 Month Certificate
$0
3.65%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA 36 Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
36 Month Certificate Account
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 3 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month Certificates
$10,000
3.25%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
36 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year (36 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$50,000
3.02%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
36 Month CD
$100,000
3.00%
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 36 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
$90,000.00
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 3 Year
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
36 mo. Term Share
$100,000
2.54%
▼
Rate2.51%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 36 Month
$20,000
2.36%
▼
Rate2.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month Certificates of Deposit
$50,000
2.32%
▼
Rate2.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 36 Month
$50,000
2.20%
▼
Rate2.19%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
36-month IRA Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 36 Month
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
36 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 month term Certificate of Deposit
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 36 Month
$0
1.66%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36 Month IRA CD
$30,000
1.05%
▼
Rate1.05%
Min Deposit$30,000
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
36 MONTH Certificate of Deposit
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
36 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36-month Share Certificates
$0
0.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Add-on IRAs 36 month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
CDs - Certificate of Deposit 36 Month
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month Certificate of Deposit
$500
0.37%
▼
Rate0.37%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48-MONTH CERTIFICATE
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
48 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 & over
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
48 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 4 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 48 month certificate
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month CD
$100,000
3.05%
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year (48 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48-month CD
$5,000
3.02%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$25,000
2.92%
▼
Rate2.90%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 48 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 48 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
$90,000.00
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 48 Month
$20,000
2.62%
▼
Rate2.60%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
$20,000
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Certificates of Deposit
$50,000
2.42%
▼
Rate2.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 48 Month
$50,000
2.30%
▼
Rate2.29%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 month term Certificate of Deposit
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Individual Retirement Account Certificates 48-month
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
48 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48 Month Certificates of Deposit
$5,000
2.00%
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 48 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
College Saver CDs 48 month
$0
1.14%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
*Relationship Pricing APY 1.30%; *Relationship Pricing Interest Rate 1.29%
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
48 Month IRA CD
$30,000
1.10%
▼
Rate1.10%
Min Deposit$30,000
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
48 MONTH Certificate of Deposit
$500
1.05%
▼
Rate1.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 4 Year
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
48 Month Certificate
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60-MONTH CERTIFICATE
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Year CD
$100,000
3.85%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 & over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
60 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
60 Month Certificate Account
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates 60 month certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$25,000
3.29%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 5 Year
$0
3.28%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Semi-Annually
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
60 Month and Access CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$50,000
3.22%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
60 Month CD
$100,000
3.10%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
5-year IRA Share Certificates
$250
3.03%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
Triple Option CD 60 Month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Jumbo Certificates - minimum opening deposit of 60 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
$90,000.00
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month Certificates of Deposit
$50,000
2.52%
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
DB4 of; & IRA
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
60 month term Certificate of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Individual Retirement Account Certificates 60-month
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
60 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Month Certificates of Deposit
$5,000
2.00%
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 60 Month
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
60 MONTH Certificate of Deposit
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
60 Month Certificate of Deposit
$500
0.77%
▼
Rate0.77%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum to Open CD
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Add-on IRAs 60 month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
CDs - Certificate of Deposit 60 Month
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Halbur, IA CD Rate Trends
Compare local Halbur, 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
2.575%
Unchanged vs 7 days ago
Iowa 12-month CD rates currently average 2.575% APY based on data from institutions in our monitoring network.
6-Month CD — IA Avg
2.510%
Unchanged vs 7 days ago
Iowa 6-month CD rates currently average 2.510% APY based on data from institutions in our monitoring network.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IA CD Rate Forecast — Next 12 Months
Where are Iowa CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.575%
6-Month Forecast
2.575%
Range: 2.38% – 2.73%
12-Month Forecast
2.325%
Range: 2.13% – 2.48%
Powered by
MonitorBankRates
What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.848% | $92.41 | $184.82 | $462.05 | $924.10 |
| 6-Month CD | 2.510% | $125.51 | $251.01 | $627.53 | $1,255.05 |
| 12-Month CD | 2.575% | $128.76 | $257.51 | $643.78 | $1,287.55 |
| 18-Month CD | 2.507% | $125.34 | $250.67 | $626.68 | $1,253.35 |
| 24-Month CD | 2.399% | $119.97 | $239.93 | $599.83 | $1,199.65 |
| 36-Month CD | 2.463% | $123.13 | $246.26 | $615.65 | $1,231.30 |
| 48-Month CD | 2.484% | $124.21 | $248.42 | $621.05 | $1,242.10 |
| 60-Month CD | 2.618% | $130.91 | $261.81 | $654.53 | $1,309.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Halbur, Iowa Savers
$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.848% | $92.41 |
| 2 | 6-Month CD | $5,000 | 2.510% | $125.51 |
| 3 | 12-Month CD | $5,000 | 2.575% | $128.76 |
| 4 | 24-Month CD | $5,000 | 2.399% | $119.97 |
| 5 | 36-Month CD | $5,000 | 2.463% | $123.13 |
| Total ($25,000 invested) | $25,000 | 2.359% blended | $589.78/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.
61
Institutions
in Halbur, Iowa
in Halbur, Iowa
39 Banks
22 Credit Unions
About Our Halbur, Iowa CD Rate Database
MonitorBankRates tracks CD rates from 39 banks and 22 credit unions with locations in Halbur, 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: Cedar Falls Community Credit Union offers a CD at 4.15% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Halbur, Iowa.
How to Find the Best CD Rates in Halbur, Iowa
What to compare when shopping for a CD in Halbur, Iowa
To find the best APYs in Halbur, Iowa, start with credit unions and online-only banks — Halbur, Iowa has 22 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 Halbur, 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 Halbur, Iowa — 61 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Halbur, Iowa savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Halbur, Iowa money market rates
Iowa Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
18.1%
National avg: 17.3%
Median Individual Earnings
$44,180
National avg: $47,340
Poverty Rate
11.1%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$114/yr
At IA 12-mo avg 2.575% APY
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s IA 12-month CD average of 2.575%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $114 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 Halbur, Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Halbur, Iowa
Are CD rates in Halbur, Iowa FDIC insured?
Yes, most established banks in Halbur, 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 Halbur, 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 Halbur, 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 Halbur, 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 Halbur, Iowa?
Here are recent top rates found for this area:
- Cedar Falls Community Credit Union: 4.15% APY (12 Month Certificate)
- Affinity Credit Union: 4.06% APY (12 month Certificates)
- Des Moines Metro Credit Union: 4.01% APY (6-month IRA Share Certificates)
- Luana Savings Bank: 4.00% APY (12 Month Certificate of Deposit)
- Green Belt Bank & Trust: 4.00% APY (24 Month Legacy CD)
- Serve Credit Union: 3.92% APY (60-MONTH CERTIFICATE)
- New Albin Savings Bank: 3.91% APY (6 Month CD)
- Members Community Credit Union: 3.90% APY (6-month CDs)
- FreedomBank Elkader, IA: 3.89% APY (12 Month IRA Certificates)
- Citizens Savings Bank Spillville, IA: 3.85% APY (12 Month Certificate)
Rates reflect recent verified offers available in Halbur, Iowa. Last Updated: April 12, 2026
CD Calculators for Halbur, Iowa
Halbur, Iowa CD Calculator
At today’s IA top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
Halbur, Iowa CD LadderIA CD rates currently range from 1.848% (3-month) to 2.463% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Halbur, Iowa CD at 4.15% 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 2.575% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Halbur, Iowa directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Halbur, Iowa. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 12, 2026
Rate Assistant
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