CD Rates Odebolt, Iowa (IA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Odebolt, Iowa CD rates include Affinity Credit UnionAffinity Credit UnionA+5.0 ★Texas Ratio: 4.17% offering 12 month Certificates at 4.06% APY, Des Moines Metro Credit UnionDes Moines Metro Credit UnionA+5.0 ★Texas Ratio: 2.01% offering 6-month IRA Share Certificates at 4.01% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.75% offering Youth Certificates 3 Month Add-On at 4.00% APY, Iowa State Bank Clarksville, IAIowa State Bank Clarksville, IAC+4.1 ★Texas Ratio: 25.55% offering 24 Month CD at 4.00% APY, and Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 15.61% offering 6-Month CD Special at 4.00% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Odebolt is a smaller community with no bank or credit union branches currently in our database. 243 institutions serving the Iowa area are available to Odebolt residents, with CD rates as high as 4.06% APY from Affinity 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 5, 2026
Compare Best CD Rates in Odebolt, 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 5, 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 5, 2026
Details
Loyalty Program
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3-Month Certificate
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
$100,000 & over
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
3 Month Time Certificates
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
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 5, 2026
Details
DB4 of & IRA
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 MO Share Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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 5, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 month term
$1,000
1.00%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
$500 Minimum to Open CD
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 5, 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 5, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
6-Month CD Special
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
$1,000-$99,999
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
6 Month Time Certificates
$1,000
3.66%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$5,000
3.53%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
$100,000 and over
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 5, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month Certificates of Deposit
$2,500
3.43%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
6-month Certificate Special
$5,000
3.25%
▼
Rate3.21%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
APY shown accurate as of 3/2/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees.
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 5, 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 5, 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 5, 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 5, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 MO Share Certificate
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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 5, 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 5, 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 5, 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 5, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 month term
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 5, 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 5, 2026
Details
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 12 Month
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
$25,000 and above
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
12 Month Time Deposit Special
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
$1,000 minimum
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 5, 2026
Details
$100,000 & over
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
12 Month Time Certificates
$1,000
3.74%
▼
Rate3.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month KIDS CD & 2 Add-Ons
$500
3.73%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
To qualify the individual must be 18 years of age or younger.; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit.
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special 12 Month
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details
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 5, 2026
Details
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 5, 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 5, 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 5, 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 5, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Baby Bundle Certificates 12 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-MONTH CERTIFICATE
$50,000
3.30%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
$50,000 to $99,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
12-Month Term IRA Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
12 MO Share Certificate
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
First State Bank Britt, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$1,000
1.51%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 month term
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
The State Bank of Toledo
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
12 Month Certificates of Deposit
$1,000
1.25%
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
with Hometown Checking Account**
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 5, 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 5, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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%
IRA Certificates 18 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 month Certificates
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
18 Month Time Certificates
$1,000
3.71%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
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 5, 2026
Details
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 5, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
18 MO Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18 Month Time Deposit
$100,000
3.20%
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
Special Term CDs* 18 Month CD
$25,000
3.14%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
18 Month Certificate Account
$500
3.10%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
$20,000
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details
The State Bank of Toledo
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
18 Month Certificates of Deposit
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
with Hometown Checking Account**
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
24 Month CD
$5,000
4.00%
▼
Rate3.96%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Limited Time Only
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 24 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 & over
Rate3.67%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24-MONTH CERTIFICATE
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and over
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 5, 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 5, 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 5, 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 5, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Baby Bundle Certificates 24 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
24 Month Time Deposit
$100,000
3.15%
▼
Rate3.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
24-Month Term
$50,000
3.03%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24-month CD
$5,000
3.02%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
DB4 of & IRA
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
24 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
24 month term
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
The State Bank of Toledo
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
24 Month Certificates of Deposit
$1,000
1.46%
▼
Rate1.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
with Hometown Checking Account**
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 5, 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 5, 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 5, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 36 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
$100,000 & over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36-MONTH CERTIFICATE
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and 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 5, 2026
Details
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
36 Month Time Certificates
$3,000
3.60%
▼
Rate3.57%
Min Deposit$3,000
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
36 Month Time Deposit
$100,000
3.25%
▼
Rate3.21%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificates 36 month
$25,000
2.50%
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details
DB4 of & IRA
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
Jumbo Individual Retirement Account Certificates 36-month
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
The State Bank of Toledo
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
36 Month Certificates of Deposit
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
with Hometown Checking Account**
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 month term
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 48 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48-MONTH CERTIFICATE
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and over
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 5, 2026
Details
$100,000 & over
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
48 Month Time Certificates
$5,000
3.64%
▼
Rate3.61%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
48 Month Time Deposit
$100,000
3.40%
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
48 Month and Access CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$50,000
3.12%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month Certificates of Deposit
$10,000
2.97%
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 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 5, 2026
Details
DB4 of & IRA
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 month term
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Month Variable Regular & IRA Certiicates
$500
2.07%
▼
Rate2.05%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details
The State Bank of Toledo
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
48 Month Certificates of Deposit
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
without Hometown Checking Account
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 5, 2026
Details
*Relationship Pricing APY 1.30%; *Relationship Pricing Interest Rate 1.29%
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 5, 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 5, 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 5, 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 5, 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
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and over
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 5, 2026
Details
$100,000 & over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
IRA Certificates 60 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
60 Month Time Deposit
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
60 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
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 5, 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 5, 2026
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificates of Deposit and Over 60 Month
$20,000
3.12%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 5, 2026
Details
$20,000
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 5, 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 5, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month Certificates of Deposit
$10,000
2.97%
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details
DB4 of & IRA
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
60 month term
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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 5, 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 5, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Month Variable Education Regular & IRA Certiicates
$500
2.13%
▼
Rate2.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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 5, 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 5, 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 5, 2026
Details
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bellevue State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Time Certificates 5 Year
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
$500 Minimum to Open CD
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
60 Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 5, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Odebolt, IA CD Rate Trends
Compare local Odebolt, 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
3.019%
▲ 0.483 vs 7 days ago
Iowa 12-month CD rates rose 0.483 points over the past 7 days to 3.019% APY.
6-Month CD — IA Avg
2.938%
▲ 0.348 vs 7 days ago
Iowa 6-month CD rates rose 0.348 points over the past 7 days to 2.938% APY.
As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Odebolt, Iowa
Are CD rates in Odebolt, Iowa FDIC insured?
Yes, most established banks in Odebolt, 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 Odebolt, 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 Odebolt, 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 Odebolt, 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 Odebolt, Iowa?
Here are recent top rates found for this area:
- Affinity Credit Union: 4.06% APY (12 month Certificates)
- Des Moines Metro Credit Union: 4.01% APY (6-month IRA Share Certificates)
- Cedar Falls Community Credit Union: 4.00% APY (Youth Certificates 3 Month Add-On)
- Iowa State Bank Clarksville, IA: 4.00% APY (24 Month CD)
- Vibrant Credit Union: 4.00% APY (6-Month CD Special)
- Twin Cedars Bank: 3.90% APY (12 Month CD*)
- FreedomBank Elkader, IA: 3.89% APY (IRA Certificates 12 Month)
- Serve Credit Union: 3.87% APY (60-MONTH CERTIFICATE)
- Citizens Savings Bank Spillville, IA: 3.85% APY (12 Month Certificate)
- New Albin Savings Bank: 3.85% APY (5 Year CD)
Rates reflect recent verified offers available in Odebolt, Iowa. Last Updated: April 5, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Odebolt, 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 Odebolt, 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 5, 2026
Rate Assistant
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