Iowa CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in Iowa, view interactive rate trend charts, and compare IA APYs against the national average.
Current Iowa CD Rate Trends
CD APYs in Iowa rose by +0.662 this week, pushing the current 12-Month CD average APY to 3.067%. Savers depositing in IA are now earning more than they would have last week, when the average stood at 2.405%.
At 3.067%, Iowa's 12-Month CD APY sits -0.035 below the current national average of 3.102%. Savers in IA may find better yields by comparing online offerings or considering national institutions.
The 6-Month CD APY in Iowa currently averages 3.300%, compared to 2.215% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The Iowa certificate of deposit rate averages displayed on this page are calculated from 716 verified CD rate quotes collected across 79 banks and credit unions actively operating in Iowa. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across Iowa. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in IA.
Data reflects average APYs offered by licensed institutions operating in IA. Last Updated: April 4, 2026
Iowa CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
Iowa CD rate averages compiled from 716 current CD rates across 79 banks and credit unions operating in IA — updated daily.
As of Apr 4, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Iowa financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical IA cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/certificate-of-deposit-cd-rates/iowa/trends. For custom data pulls, contact us here.
