West Des Moines, Iowa Best CD Rates October 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.
West Des Moines, Iowa CD rates range from 0.05% to 4.80% APY, verified by MonitorBankRates as of October 14, 2026. Current West Des Moines, Iowa CD rates include Marine Credit UnionMarine Credit Union909 9th St, West Des Moines, IA 50265A5.0 ★Texas Ratio: 13.08%Real return: +1.86%APY minus CPI (February 2026) offering Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY, Midwest Heritage BankMidwest Heritage Bank3580 Ep True Pkwy, West Des Moines, IA 50265A5.0 ★Texas Ratio: 9.76%Real return: +1.70%APY minus CPI (February 2026) offering Certificate of Deposit - 24 Months at 4.50% APY, Fidelity Bank Savanna, ILFidelity Bank Savanna, IL177 S Jordan Creek Pkwy, West Des Moines, IA 50266A5.0 ★Texas Ratio: 7.99%Real return: +1.70%APY minus CPI (February 2026) offering 20-month special, with rollover into 24-month at time of maturity at 4.50% APY, BankBank270 S 68th St, West Des Moines, IA 50266A+5.0 ★Texas Ratio: 5.26%Real return: +1.70%APY minus CPI (February 2026) offering IntraFi Network CD 3 Year at 4.50% APY, and TruBankTruBank6205 Mills Civic Pkwy, West Des Moines, IA 50266A5.0 ★Texas Ratio: 11.45%Real return: +1.55%APY minus CPI (February 2026) offering 6-12 Month CD Special at 4.35% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
West Des Moines has 265 local institutions in our database, with CD rates as high as 4.66% APY from Marine Credit Union at 909 9th St, West Des Moines, IA 50265. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Iowa area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in West Des Moines, Iowa & the Surrounding Area
West Des Moines 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
3 Month CD - Loyalty Platinum Tier
$0
4.06%
▲ 2.16% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.16% above avgNationally 2.09%
Details
Loyalty Program Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 14, 2026 · 4.06% APY
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
6139 Ashworth Rd, West Des Moines, IA 50266
3-Month CD Special
$1,000
4.00%
▲ 2.10% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.09%
Details
Minimum balance to obtain APY is $1,000; Early withdrawal penalties may apply; Non-institutional funds only; Rate current as of 9/25/26
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 6 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
3 Month CD - Loyalty Gold Tier
$0
3.96%
▲ 2.06% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.06% above avgNationally 2.09%
Details
Loyalty Program Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 14, 2026 · 3.96% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
3 Month CD - Loyalty Silver Tier
$0
3.85%
▲ 1.95% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.95% above avgNationally 2.09%
Details
Loyalty Program Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 14, 2026 · 3.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
3 Month CD - Loyalty Bronze Tier
$0
3.75%
▲ 1.85% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
Loyalty Program Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
3 Month CD
$0
3.55%
▲ 1.65% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.65% above avgNationally 2.09%
Details
Base Interest Rate and Base APY (Consumer Rate Sheet)
Rate History
1 change since Sep 15, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
- Sep 27, 20263.55%▲ from 3.29%
- Sep 15, 20263.29%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Special Term CDs - 3 Month CD
$25,000
3.44%
▲ 1.54% above Iowa avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.54% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.44% APY
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Special Term CDs - 3 Month CD
$10,000
3.19%
▲ 1.29% above Iowa avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.29% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.19% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
3 Month Jumbo Certificates
$0
1.55%
▼ 0.35% below Iowa avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▼ 0.35% below avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 3 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
3 Month Certificates
$0
1.50%
▼ 0.40% below Iowa avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▼ 0.40% below avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
3 Month CD
$0
1.01%
▼ 0.89% below Iowa avg
▼
Rate1.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 0.89% below avgNationally 2.09%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 2 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
3-month CD
$500
0.25%
▼ 1.65% below Iowa avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▼ 1.65% below avgNationally 2.09%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
655 S 50th St, West Des Moines, IA 50265
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.84% below Iowa avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 1.84% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
655 S 50th St, West Des Moines, IA 50265
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.85% below Iowa avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.85% below Iowa avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
3 Month Standard CD
$1,000
0.05%
▼ 1.85% below Iowa avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Youth Certificate
$100
4.00%
▲ 2.10% above Iowa avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.09%
Details
Only available for members under age 18; $100 min, $30,000 max; Member may add to certificate balance at any time; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Month Certificate of Deposit
$0
3.91%
▲ 2.01% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 2.01% above avgNationally 2.09%
Details
Balance: $100,000 and above
Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 5 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.95% above Iowa avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.95% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 3 Month
$0
3.80%
▲ 1.90% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.90% above avgNationally 2.09%
Details
Interest Paid: At Maturity; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 3.80% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Month Certificate of Deposit
$0
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3 month CD Special
$0
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.09%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000; Rate = dividend rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$1,000
3.65%
▲ 1.75% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.75% above avgNationally 2.09%
Details
Interest Compounded and Credited: At Maturity
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3 Month Certificate
$1,000
3.60%
▲ 1.70% above Iowa avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.70% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 3, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.50% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.50% above avgNationally 2.09%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
15 MONTH PENALTY=90 DAYS OF INTEREST
$5,000
3.28%
▲ 1.38% above Iowa avg
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.38% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.28% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
10 MONTH PENALTY=90 DAYS OF INTEREST
$5,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 MONTH PENALTY=90 DAYS OF INTEREST
$1,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 MONTH SILVER PENALTY=90 DAYS OF INTEREST
$25,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
182 DAY PENALTY=90 DAYS OF INTEREST
$1,000
3.25%
▲ 1.35% above Iowa avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 1.35% above avgNationally 2.09%
Details
PENALTY=90 DAYS OF INTEREST
Rate History
No change since Oct 11, 2026 · 3.25% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.14%
▲ 1.24% above Iowa avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.24% above avgNationally 2.09%
Details
Balance: $100,000 & over
Rate History
No change since Sep 20, 2026 · 3.14% APY · checked 6 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.03%
▲ 1.13% above Iowa avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.13% above avgNationally 2.09%
Details
Balance: $1,000-$99,999
Rate History
No change since Sep 20, 2026 · 3.03% APY · checked 6 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Certificate
$2,500
3.02%
▲ 1.12% above Iowa avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.12% above avgNationally 2.09%
Details
Share Certificate
Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 5 times
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month CD
$1,000
3.00%
▲ 1.10% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average1.90%▲ 1.10% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month CD
$500
2.95%
▲ 1.05% above Iowa avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 4 times
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificate
$500
2.85%
▲ 0.95% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▲ 0.95% above avgNationally 2.09%
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.84%
▲ 0.94% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.94% above avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 12, 2026 · 2.84% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.79%
▲ 0.89% above Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.89% above avgNationally 2.09%
Details
Balance: $50,000 - $89,999
Rate History
No change since Oct 12, 2026 · 2.79% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.74%
▲ 0.84% above Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.84% above avgNationally 2.09%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 12, 2026 · 2.74% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.69%
▲ 0.79% above Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.79% above avgNationally 2.09%
Details
Balance: $250 - $9,999
Rate History
No change since Oct 12, 2026 · 2.69% APY
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
2.65%
▲ 0.75% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.75% above avgNationally 2.09%
Details
Balance: $50,000 - $99,999
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
3 Month Certificate
$1,000
2.37%
▲ 0.47% above Iowa avg
▼
Rate2.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.47% above avgNationally 2.09%
Details
@Maturity
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 6 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$50,000
2.27%
▲ 0.37% above Iowa avg
▼
Rate2.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.37% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$500
2.27%
▲ 0.37% above Iowa avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.37% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Unite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.08%
3-Month Certificate
$0
2.25%
▲ 0.35% above Iowa avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average1.90%▲ 0.35% above avgNationally 2.09%
Details
Open online; Penalty for Early Withdrawal; Interest compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$15,000
2.17%
▲ 0.27% above Iowa avg
▼
Rate2.15%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.27% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 3 times
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
Certificates of Deposits (CD) - 3 Months
$0
2.14%
▲ 0.24% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average1.90%▲ 0.24% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 8, 2026 · 2.14% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
3 Month Certificate
$1,000
2.07%
▲ 0.17% above Iowa avg
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
30-90 Day Certificate
$50,000
2.07%
▲ 0.17% above Iowa avg
▼
Rate2.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average1.90%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 3 times
West Des Moines 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 6 Month
$0
4.32%
▲ 1.65% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.65% above avgNationally 2.77%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.32% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 6 Month
$0
4.27%
▲ 1.60% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.60% above avgNationally 2.77%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.27% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 6 Month
$0
4.22%
▲ 1.55% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.55% above avgNationally 2.77%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 4.22% APY
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
Certificate of Deposit - 6 Months
$0
4.19%
▲ 1.52% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.52% above avgNationally 2.77%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.19% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
6 Month Certificate Special
$0
4.00%
▲ 1.33% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.33% above avgNationally 2.77%
Details
Minimum Balance to Earn Dividends: $1,000; APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required
Rate History
No change since Oct 13, 2026 · 4.00% APY
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 6 Month
$1,500
3.48%
▲ 0.81% above Iowa avg
▼
Rate3.45%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 0.81% above avgNationally 2.77%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.48% APY
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
6 Month Business Share Certificates
$0
3.14%
▲ 0.47% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.47% above avgNationally 2.77%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
6 Month Share Certificates
$1,000
3.14%
▲ 0.47% above Iowa avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.47% above avgNationally 2.77%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 4 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
6 Month Jumbo Certificates
$0
3.05%
▲ 0.38% above Iowa avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.38% above avgNationally 2.77%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 2.30% → 3.05% ▲ 0.75 pts · high 3.05% / low 2.30%
- Oct 13, 20263.05%▲ from 2.30%
- Sep 22, 20262.30%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$50,000
3.02%
▲ 0.35% above Iowa avg
▼
Rate3.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.82% → 3.02% ▲ 0.20 pts · high 3.02% / low 2.82%
- Oct 3, 20263.02%▲ from 2.82%
- Sep 14, 20262.82%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
6 Month Certificates
$0
3.00%
▲ 0.33% above Iowa avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 0.33% above avgNationally 2.77%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25%
- Oct 13, 20263.00%▲ from 2.25%
- Sep 18, 20262.25%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$25,000
2.72%
▲ 0.05% above Iowa avg
▼
Rate2.70%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 0.05% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.52% → 2.72% ▲ 0.20 pts · high 2.72% / low 2.52%
- Oct 3, 20262.72%▲ from 2.52%
- Sep 14, 20262.52%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$2,500
2.62%
▼ 0.05% below Iowa avg
▼
Rate2.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 0.05% below avgNationally 2.77%
Details
Rate History
2 changes since Sep 14, 2026 · 0.75% → 2.62% ▲ 1.87 pts · high 2.62% / low 0.75%
- Oct 3, 20262.62%▲ from 2.42%
- Sep 24, 20262.42%▲ from 0.75%
- Sep 14, 20260.75%first recorded
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5700 University Ave, West Des Moines, IA 50266
CD/IRA Standard Renewal Rate - 6-Month
$1,000
2.11%
▼ 0.56% below Iowa avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 0.56% below avgNationally 2.77%
Details
Balance: All Balances
Rate History
No change since Sep 18, 2026 · 2.11% APY · checked 6 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
6 Month CD
$0
1.54%
▼ 1.13% below Iowa avg
▼
Rate1.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 1.13% below avgNationally 2.77%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.54% APY · checked 2 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$2,500
0.85%
▼ 1.82% below Iowa avg
▼
Rate0.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 1.82% below avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 0.75% → 0.85% ▲ 0.10 pts · high 0.85% / low 0.75%
- Oct 3, 20260.85%▲ from 0.75%
- Sep 14, 20260.75%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
6 Month CD
$0
0.80%
▼ 1.87% below Iowa avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▼ 1.87% below avgNationally 2.77%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 0.80% APY · checked 4 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
6 Month CD
$0
0.65%
▼ 2.02% below Iowa avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▼ 2.02% below avgNationally 2.77%
Details
Balance: $0 - $9,999
Rate History
1 change since Sep 24, 2026 · 0.80% → 0.65% ▼ 0.15 pts · high 0.80% / low 0.65%
- Oct 12, 20260.65%▼ from 0.80%
- Sep 24, 20260.80%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
6 Month Regular & IRA Certificates
$500
0.65%
▼ 2.02% below Iowa avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▼ 2.02% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
6 Month CD
$500
0.60%
▼ 2.07% below Iowa avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 2.07% below avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
- Oct 3, 20260.60%▲ from 0.50%
- Sep 14, 20260.50%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
6-month CD
$500
0.50%
▼ 2.17% below Iowa avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▼ 2.17% below avgNationally 2.77%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
655 S 50th St, West Des Moines, IA 50265
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.61% below Iowa avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 2.61% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
655 S 50th St, West Des Moines, IA 50265
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below Iowa avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 2.62% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.62% below Iowa avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 2.62% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
6 Month Standard CD
$1,000
0.05%
▼ 2.62% below Iowa avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▼ 2.62% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50%
▲ 1.83% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.83% above avgNationally 2.77%
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.32%
▲ 1.65% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.65% above avgNationally 2.77%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%
- Oct 3, 20264.32%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.22%
- Sep 20, 20264.22%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
6-Month CD Special
$5
4.25%
▲ 1.58% above Iowa avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.58% above avgNationally 2.77%
Details
Auto-renews into a 6-month certificate at the current rate when it matures; $5 Membership Share account required
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month JUMBO Certificate
$100,000
4.25%
▲ 1.58% above Iowa avg
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.58% above avgNationally 2.77%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month Certificate of Deposit
$0
4.24%
▲ 1.57% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.57% above avgNationally 2.77%
Details
Featured CD Specials; Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.19% → 4.24% ▲ 0.05 pts · high 4.24% / low 4.19%
- Sep 27, 20264.24%▲ from 4.19%
- Sep 18, 20264.19%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Jumbo Certificate
$100,000
4.23%
▲ 1.56% above Iowa avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.56% above avgNationally 2.77%
Details
$100,000 Minimum
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.22%
▲ 1.55% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.67%▲ 1.55% above avgNationally 2.77%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
- Oct 3, 20264.22%▲ from 4.16%
- Sep 24, 20264.16%▲ from 4.11%
- Sep 20, 20264.11%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month Share Certificate
$1,000
4.15%
▲ 1.48% above Iowa avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.48% above avgNationally 2.77%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Premier Certificates
$0
4.13%
▲ 1.46% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.46% above avgNationally 2.77%
Details
Balance: $60,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.13% ▲ 0.06 pts · high 4.13% / low 4.07%
- Sep 18, 20264.13%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6-Month Certificate
$1,000
4.13%
▲ 1.46% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.46% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10%
▲ 1.43% above Iowa avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.43% above avgNationally 2.77%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month Certificate of Deposit
$0
4.09%
▲ 1.42% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.42% above avgNationally 2.77%
Details
Featured CD Specials; Balance: $2,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.09% ▲ 0.05 pts · high 4.09% / low 4.04%
- Sep 27, 20264.09%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.38% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.38% above avgNationally 2.77%
Details
Balance: $100,000.00 and greater
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$100,000
4.05%
▲ 1.38% above Iowa avg
▼
Rate3.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.38% above avgNationally 2.77%
Details
Member Loyalty APY: 4.20%; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
4.04%
▲ 1.37% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.37% above avgNationally 2.77%
Details
Balance: => $100,000; Penalty for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.04% APY · checked 5 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
CDs - 6 Months
$0
4.04%
▲ 1.37% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.37% above avgNationally 2.77%
Details
Balance: => $100,000
Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 14, 20264.04%▲ from 3.79%
- Sep 30, 20263.79%first recorded
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 MONTH SILVER PENALTY=180 DAYS OF INTEREST
$25,000
4.04%
▲ 1.37% above Iowa avg
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.67%▲ 1.37% above avgNationally 2.77%
Details
PENALTY=180 DAYS OF INTEREST
Rate History
No change since Oct 7, 2026 · 4.04% APY · checked 2 times
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Month CD Special - You Pick Your Term
$25,000
4.02%
▲ 1.35% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.35% above avgNationally 2.77%
Details
Choose your term from 6 Month, 12 Month or 18 Month; all earn 4.02% APY; minimum deposit $25,000 required
Rate History
No change since Oct 14, 2026 · 4.02% APY
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month Youth Certificates
$0
4.02%
▲ 1.35% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.35% above avgNationally 2.77%
Details
$500 Minimum
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.02% ▲ 0.31 pts · high 4.02% / low 3.71%
- Sep 18, 20264.02%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6-Month Certificate
$1,000
4.02%
▲ 1.35% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.35% above avgNationally 2.77%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
6 Month IRA Share Certificates
$250
4.01%
▲ 1.34% above Iowa avg
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.34% above avgNationally 2.77%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Share Certificates - 6-month
$5,000
4.01%
▲ 1.34% above Iowa avg
▼
Rate3.95%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.67%▲ 1.34% above avgNationally 2.77%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 5 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.28% above Iowa avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.28% above avgNationally 2.77%
Details
Balance: $1.00.00-99.999.99
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$1,000
3.95%
▲ 1.28% above Iowa avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Iowa Average2.67%▲ 1.28% above avgNationally 2.77%
Details
Member Loyalty APY: 4.10%; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposit - Diamond
$500
3.92%
▲ 1.25% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.67%▲ 1.25% above avgNationally 2.77%
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.92% APY
West Des Moines 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
6-12 Month CD Special
$0
4.35%
▲ 1.50% above Iowa avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.50% above avgNationally 2.99%
Details
Rate History
1 change since Oct 3, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 8, 20264.35%▲ from 4.15%
- Oct 3, 20264.15%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
Certificate of Deposit - 12 Months
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.30% APY
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
10-month special, with rollover into 12-month at time of maturity
$0
4.25%
▲ 1.40% above Iowa avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.40% above avgNationally 2.99%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD Special
$0
4.20%
▲ 1.36% above Iowa avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 1.36% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 8, 20264.20%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.31% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 12-month IRA
$0
4.10%
▲ 1.25% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.25% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.10% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 12 Month
$0
4.06%
▲ 1.21% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.21% above avgNationally 2.99%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.06% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
12 Month Jumbo Certificates
$0
4.05%
▲ 1.20% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.20% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
- Oct 13, 20264.05%▲ from 3.05%
- Sep 22, 20263.05%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 12 Month
$0
4.01%
▲ 1.16% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.16% above avgNationally 2.99%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.01% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Month Certificates of Deposit
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Add2IRA - 12 Months
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $100 & Over; Interest Paid: Quarterly; Auto Renew: Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRA - 12 Months
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
12 Month Certificates
$0
4.00%
▲ 1.15% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.15% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 13, 20264.00%▲ from 3.00%
- Sep 18, 20263.00%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 12 Month
$0
3.96%
▲ 1.11% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.11% above avgNationally 2.99%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.96% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Month Certificates of Deposit
$0
3.85%
▲ 1.01% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.01% above avgNationally 2.99%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
6-12 Month CD Special
$0
3.75%
▲ 0.90% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▲ 0.90% above avgNationally 2.99%
Details
Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
Premier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
1301 Grand Ave, West Des Moines, IA 50265
12 Month Kirby Kids CD
$100
3.70%
▲ 0.86% above Iowa avg
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 0.86% above avgNationally 2.99%
Details
12-month add-on CD; ongoing deposits allowed during the term; monthly savings updates; fixed-term savings structure; for children 12 and under
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 12 Months
$1,500
3.58%
▲ 0.73% above Iowa avg
▼
Rate3.55%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 0.73% above avgNationally 2.99%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.58% APY
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
12 Month Business Share Certificates
$0
3.20%
▲ 0.36% above Iowa avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 0.36% above avgNationally 2.99%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
12 Month Share Certificates
$1,000
3.20%
▲ 0.36% above Iowa avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 0.36% above avgNationally 2.99%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
3.12%
▲ 0.27% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 0.27% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.92% → 3.12% ▲ 0.20 pts · high 3.12% / low 2.92%
- Oct 7, 20263.12%▲ from 2.92%
- Sep 14, 20262.92%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
2.82%
▼ 0.03% below Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 0.03% below avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.62% → 2.82% ▲ 0.20 pts · high 2.82% / low 2.62%
- Oct 3, 20262.82%▲ from 2.62%
- Sep 14, 20262.62%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
2.72%
▼ 0.13% below Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 0.13% below avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 1.50% → 2.72% ▲ 1.22 pts · high 2.72% / low 1.50%
- Oct 3, 20262.72%▲ from 1.50%
- Sep 14, 20261.50%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
6 - 12 Month Standard Term CDs
$0
2.32%
▼ 0.53% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 0.53% below avgNationally 2.99%
Details
$25,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.32% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
6 - 12 Month Standard Term CDs
$0
2.22%
▼ 0.63% below Iowa avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 0.63% below avgNationally 2.99%
Details
$10,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.22% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
6 - 12 Month Standard Term CDs
$0
2.12%
▼ 0.73% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 0.73% below avgNationally 2.99%
Details
$1,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.12% APY · checked 8 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
12 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.80%
▼ 1.05% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.05% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
12 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.70%
▼ 1.15% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.15% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.70% APY
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
12 Month CD
$0
1.70%
▼ 1.15% below Iowa avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.15% below avgNationally 2.99%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 2 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
1.61%
▼ 1.24% below Iowa avg
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 1.24% below avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.61% ▲ 0.11 pts · high 1.61% / low 1.50%
- Oct 3, 20261.61%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
12 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.60%
▼ 1.25% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.25% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.60% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
655 S 50th St, West Des Moines, IA 50265
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.34% below Iowa avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.34% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
655 S 50th St, West Des Moines, IA 50265
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.35% below Iowa avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.35% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
12 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.50%
▼ 1.35% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.35% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.50% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
12 Month Certificate of Deposit
$0
1.30%
▼ 1.55% below Iowa avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 1.55% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 5 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
12 Month CD
$0
1.10%
▼ 1.75% below Iowa avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 1.75% below avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00%
- Oct 3, 20261.10%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Certificates of Deposit (CDs) - 12 Month
$1,000
1.00%
▼ 1.85% below Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▼ 1.85% below avgNationally 2.99%
Details
Balance: $1,000.00 and above
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
12 Month CD
$0
0.90%
▼ 1.95% below Iowa avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▼ 1.95% below avgNationally 2.99%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 0.90% APY · checked 4 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
12 Month Regular & IRA Certificates
$500
0.86%
▼ 1.99% below Iowa avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▼ 1.99% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 0.86% APY · checked 6 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
12-month CD
$500
0.75%
▼ 2.10% below Iowa avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
12 Month CD
$0
0.75%
▼ 2.10% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details
Balance: $0 - $9,999
Rate History
1 change since Sep 24, 2026 · 0.90% → 0.75% ▼ 0.15 pts · high 0.90% / low 0.75%
- Oct 12, 20260.75%▼ from 0.90%
- Sep 24, 20260.90%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.10% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
12 Month Standard CD
$1,000
0.75%
▼ 2.10% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▼ 2.10% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
12 Month CD
$2,500
0.20%
▼ 2.65% below Iowa avg
▼
Rate0.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 2.65% below avgNationally 2.99%
Details
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 3 times
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
CDs - Certificate of Deposit < 12 Months
$2,500
0.20%
▼ 2.65% below Iowa avg
▼
Rate0.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▼ 2.65% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month JUMBO Certificate
$100,000
4.40%
▲ 1.56% above Iowa avg
▼
Rate4.33%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.56% above avgNationally 2.99%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 9, 20264.40%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12 Month Certificate of Deposit
$0
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Featured CD Specials; Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.30% ▲ 0.06 pts · high 4.30% / low 4.24%
- Sep 27, 20264.30%▲ from 4.24%
- Sep 18, 20264.24%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month Certificate of Deposit
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.30% APY
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month Certificate of Deposit
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month Share Certificate
$1,000
4.30%
▲ 1.45% above Iowa avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.85%▲ 1.45% above avgNationally 2.99%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 9, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
West Des Moines 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
Certificate of Deposit - 18 Months
$0
4.42%
▲ 1.58% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.58% above avgNationally 2.88%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.42% APY
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD Special
$0
4.25%
▲ 1.41% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.41% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 8, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
Certificate Specials - 18 Months
$0
4.08%
▲ 1.24% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 1.24% above avgNationally 2.88%
Details
New Money only brought in from other financials; no existing funds are eligible
Rate History
1 change since Sep 14, 2026 · 3.46% → 4.08% ▲ 0.62 pts · high 4.08% / low 3.46%
- Oct 9, 20264.08%▲ from 3.46%
- Sep 14, 20263.46%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$0
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRA - 18 Months
$0
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
18 Month Certificates of Deposit
$0
3.85%
▲ 1.01% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Special Term CDs - 18 Month CD
$25,000
3.60%
▲ 0.76% above Iowa avg
▼
Rate3.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 18 Months
$1,500
3.43%
▲ 0.59% above Iowa avg
▼
Rate3.40%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.59% above avgNationally 2.88%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.43% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 18-month
$0
3.40%
▲ 0.56% above Iowa avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.56% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 3.40% ▲ 0.24 pts · high 3.40% / low 3.16%
- Oct 5, 20263.40%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 18-month IRA
$0
3.35%
▲ 0.51% above Iowa avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.51% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.35% APY
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Special Term CDs - 18 Month CD
$10,000
3.34%
▲ 0.50% above Iowa avg
▼
Rate3.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 0.50% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.34% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
18 Month Jumbo Certificates
$0
3.30%
▲ 0.46% above Iowa avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.46% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 13, 20263.30%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
18 Month Business Share Certificates
$0
3.25%
▲ 0.41% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.41% above avgNationally 2.88%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
18 Month Share Certificates
$1,000
3.25%
▲ 0.41% above Iowa avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.41% above avgNationally 2.88%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
18 Month Certificates
$0
3.25%
▲ 0.41% above Iowa avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 0.41% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 13, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$50,000
3.22%
▲ 0.38% above Iowa avg
▼
Rate3.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.38% above avgNationally 2.88%
Details
Balance: 50,000+
Rate History
1 change since Sep 14, 2026 · 2.82% → 3.22% ▲ 0.40 pts · high 3.22% / low 2.82%
- Oct 3, 20263.22%▲ from 2.82%
- Sep 14, 20262.82%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$25,000
2.92%
▲ 0.08% above Iowa avg
▼
Rate2.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 0.08% above avgNationally 2.88%
Details
Balance: 25,000+
Rate History
1 change since Sep 14, 2026 · 2.52% → 2.92% ▲ 0.40 pts · high 2.92% / low 2.52%
- Oct 3, 20262.92%▲ from 2.52%
- Sep 14, 20262.52%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$2,500
2.82%
▼ 0.02% below Iowa avg
▼
Rate2.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 0.02% below avgNationally 2.88%
Details
Balance: 2,500 (GO)
Rate History
2 changes since Sep 14, 2026 · 2.01% → 2.82% ▲ 0.81 pts · high 2.82% / low 1.81%
- Oct 7, 20262.82%▲ from 1.81%
- Oct 3, 20261.81%▼ from 2.01%
- Sep 14, 20262.01%first recorded
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
18 Month CD
$0
1.83%
▼ 1.01% below Iowa avg
▼
Rate1.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▼ 1.01% below avgNationally 2.88%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.83% APY · checked 2 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$2,500
1.81%
▼ 1.03% below Iowa avg
▼
Rate1.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 1.03% below avgNationally 2.88%
Details
Balance: 2,500+
Rate History
1 change since Sep 14, 2026 · 2.01% → 1.81% ▼ 0.20 pts · high 2.01% / low 1.81%
- Oct 3, 20261.81%▼ from 2.01%
- Sep 14, 20262.01%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
18 Month CD
$500
1.21%
▼ 1.63% below Iowa avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 1.63% below avgNationally 2.88%
Details
Balance: 500+
Rate History
1 change since Sep 14, 2026 · 1.00% → 1.21% ▲ 0.21 pts · high 1.21% / low 1.00%
- Oct 3, 20261.21%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
18 Month CD
$0
1.00%
▼ 1.84% below Iowa avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▼ 1.84% below avgNationally 2.88%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
18-month CD
$500
0.95%
▼ 1.89% below Iowa avg
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▼ 1.89% below avgNationally 2.88%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 3 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
18 Month CD
$0
0.80%
▼ 2.04% below Iowa avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▼ 2.04% below avgNationally 2.88%
Details
Balance: $0 - $9,999
Rate History
1 change since Sep 24, 2026 · 1.00% → 0.80% ▼ 0.20 pts · high 1.00% / low 0.80%
- Oct 12, 20260.80%▼ from 1.00%
- Sep 24, 20261.00%first recorded
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Certificates of Deposit (CDs) - 18 Month
$1,000
0.75%
▼ 2.09% below Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▼ 2.09% below avgNationally 2.88%
Details
Balance: $1,000.00 and above
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.09% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▼ 2.09% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
18 Month Standard CD
$1,000
0.75%
▼ 2.09% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▼ 2.09% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month Certificate Special
$0
4.45%
▲ 1.61% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.61% above avgNationally 2.88%
Details
Special rate
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 3 times
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Certificates of Deposit - 18-month
$0
4.45%
▲ 1.61% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.61% above avgNationally 2.88%
Details
Special rate
Rate History
No change since Oct 14, 2026 · 4.45% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 Month Certificate of Deposit
$0
4.40%
▲ 1.56% above Iowa avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.56% above avgNationally 2.88%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.40% ▲ 0.16 pts · high 4.40% / low 4.24%
- Oct 7, 20264.40%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40%
▲ 1.56% above Iowa avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.56% above avgNationally 2.88%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30%
▲ 1.46% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.46% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
- Oct 14, 20264.30%▲ from 4.10%
- Oct 2, 20264.10%▲ from 2.36%
- Sep 18, 20262.36%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month JUMBO Certificate
$100,000
4.30%
▲ 1.46% above Iowa avg
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 1.46% above avgNationally 2.88%
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 3 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.41% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.41% above avgNationally 2.88%
Details
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 Month Certificate of Deposit
$0
4.24%
▲ 1.40% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.40% above avgNationally 2.88%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.09% → 4.24% ▲ 0.15 pts · high 4.24% / low 4.09%
- Oct 7, 20264.24%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Share Certificate
$1,000
4.20%
▲ 1.36% above Iowa avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.84%▲ 1.36% above avgNationally 2.88%
Details
Limited Time Special; $1,000 minimum; Penalty for Early Withdrawal
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Certificate
$1,000
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 3, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month CD Special
$25,000
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month Certificate
$25,000
4.15%
▲ 1.31% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month Certificate of Deposit
$1,000
4.14%
▲ 1.30% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.30% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.14% APY
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month Adjust-A-Rate CD
$1,000
4.14%
▲ 1.30% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.84%▲ 1.30% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.14% APY · checked 5 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
4.06%
▲ 1.22% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.22% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month CD Special
$5,000
4.05%
▲ 1.21% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 3 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month Certificate
$5,000
4.05%
▲ 1.21% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificate of Deposit - 18 Month
$0
4.04%
▲ 1.20% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.20% above avgNationally 2.88%
Details
Interest Paid: Semi-Annually; APY is annual percentage yield
Rate History
No change since Oct 14, 2026 · 4.04% APY
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.20% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.58% → 4.04% ▲ 0.46 pts · high 4.04% / low 3.58%
- Oct 3, 20264.04%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 Month CD Special - You Pick Your Term
$25,000
4.02%
▲ 1.18% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.84%▲ 1.18% above avgNationally 2.88%
Details
Choose your term from 6 Month, 12 Month or 18 Month; all earn 4.02% APY; minimum deposit $25,000 required
Rate History
No change since Oct 14, 2026 · 4.02% APY
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
18 Month CD Special
$1,000
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
7 - 18 Month Certificate of Deposit
$5,000
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
Certificate of Deposit - 7-18 Month
$5,000
4.00%
▲ 1.16% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY
West Des Moines 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
Certificate of Deposit - 24 Months
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.50% APY
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
20-month special, with rollover into 24-month at time of maturity
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
IntraFi Network CD 2 Year
$100,000
4.47%
▲ 1.74% above Iowa avg
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▲ 1.74% above avgNationally 2.88%
Details
Treasury Rates**: 4.77%
Rate History
No change since Oct 12, 2026 · 4.47% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 24 Month
$0
4.22%
▲ 1.49% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.49% above avgNationally 2.88%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.22% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 24 Month
$0
4.11%
▲ 1.38% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.38% above avgNationally 2.88%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.11% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 24 Month
$0
4.06%
▲ 1.33% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.33% above avgNationally 2.88%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 4.06% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$0
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRA - 24 Months
$0
4.00%
▲ 1.27% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.27% above avgNationally 2.88%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
24 Month Certificates of Deposit
$0
3.85%
▲ 1.12% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.12% above avgNationally 2.88%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 24-month
$0
3.65%
▲ 0.92% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.92% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.16% → 3.65% ▲ 0.49 pts · high 3.65% / low 3.16%
- Oct 5, 20263.65%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 24-month IRA
$0
3.60%
▲ 0.87% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.87% above avgNationally 2.88%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.60% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
24 Month Jumbo Certificates
$0
3.55%
▲ 0.82% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.82% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 3.05%
- Oct 13, 20263.55%▲ from 3.05%
- Sep 22, 20263.05%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
24 Month Certificates
$0
3.50%
▲ 0.77% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.77% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 13, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 24 Months
$1,500
3.33%
▲ 0.60% above Iowa avg
▼
Rate3.30%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 0.60% above avgNationally 2.88%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.33% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$50,000
3.32%
▲ 0.59% above Iowa avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.59% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.92% → 3.32% ▲ 0.40 pts · high 3.32% / low 2.92%
- Oct 3, 20263.32%▲ from 2.92%
- Sep 14, 20262.92%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
24 Month Business Share Certificates
$0
3.29%
▲ 0.56% above Iowa avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.56% above avgNationally 2.88%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
24 Month Share Certificates
$1,000
3.29%
▲ 0.56% above Iowa avg
▼
Rate3.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 0.56% above avgNationally 2.88%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 4 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$25,000
3.02%
▲ 0.29% above Iowa avg
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.29% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.67% → 3.02% ▲ 0.35 pts · high 3.02% / low 2.67%
- Oct 3, 20263.02%▲ from 2.67%
- Sep 14, 20262.67%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$2,500
2.92%
▲ 0.19% above Iowa avg
▼
Rate2.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▲ 0.19% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 2.27% → 2.92% ▲ 0.65 pts · high 2.92% / low 2.27%
- Oct 3, 20262.92%▲ from 2.62%
- Sep 24, 20262.62%▲ from 2.27%
- Sep 14, 20262.27%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
13 - 24 Month Standard Term CDs
$0
2.42%
▼ 0.31% below Iowa avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.31% below avgNationally 2.88%
Details
$25,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.42% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
13 - 24 Month Standard Term CDs
$0
2.32%
▼ 0.41% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.41% below avgNationally 2.88%
Details
$10,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.32% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month Add it Up CD
$0
2.32%
▼ 0.41% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.41% below avgNationally 2.88%
Details
Balance: $10,000 Minimum; Special Term CD
Rate History
No change since Sep 19, 2026 · 2.32% APY · checked 5 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
13 - 24 Month Standard Term CDs
$0
2.22%
▼ 0.51% below Iowa avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.51% below avgNationally 2.88%
Details
$1,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.22% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month Add it Up CD
$0
2.22%
▼ 0.51% below Iowa avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.51% below avgNationally 2.88%
Details
Balance: $1,000 Minimum; Special Term CD
Rate History
No change since Sep 19, 2026 · 2.22% APY · checked 5 times
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5700 University Ave, West Des Moines, IA 50266
CD/IRA Standard Renewal Rate - 24-Month
$1,000
2.10%
▼ 0.63% below Iowa avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.63% below avgNationally 2.88%
Details
Balance: All Balances
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month Add it Up CD
$0
1.96%
▼ 0.77% below Iowa avg
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.77% below avgNationally 2.88%
Details
Balance: $100 Minimum; Special Term CD
Rate History
No change since Sep 19, 2026 · 1.96% APY · checked 5 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$2,500
1.91%
▼ 0.82% below Iowa avg
▼
Rate1.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 0.82% below avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.27% → 1.91% ▼ 0.36 pts · high 2.27% / low 1.91%
- Oct 3, 20261.91%▼ from 2.27%
- Sep 14, 20262.27%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
24 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.85%
▼ 0.88% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.88% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
24 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.75%
▼ 0.98% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 0.98% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
24 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.65%
▼ 1.08% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.08% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.65% APY
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
24 Month CD
$0
1.61%
▼ 1.12% below Iowa avg
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.12% below avgNationally 2.88%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.61% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
24 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.55%
▼ 1.18% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.18% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.55% APY
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
24 Month Regular & IRA Certificates
$500
1.52%
▼ 1.21% below Iowa avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▼ 1.21% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.52% APY · checked 6 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
24 Month Certificate of Deposit
$0
1.35%
▼ 1.38% below Iowa avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.38% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.35% APY · checked 5 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
24 Month CD
$500
1.31%
▼ 1.42% below Iowa avg
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 1.42% below avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 1.10% → 1.31% ▲ 0.21 pts · high 1.31% / low 1.10%
- Oct 3, 20261.31%▲ from 1.10%
- Sep 14, 20261.10%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
24 Month CD
$0
1.10%
▼ 1.63% below Iowa avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▼ 1.63% below avgNationally 2.88%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 1.10% APY · checked 4 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
24-month CD
$500
1.00%
▼ 1.73% below Iowa avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 1.73% below avgNationally 2.88%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
24 Month CD
$0
0.85%
▼ 1.88% below Iowa avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.73%▼ 1.88% below avgNationally 2.88%
Details
Balance: $0 - $9,999
Rate History
1 change since Sep 24, 2026 · 1.10% → 0.85% ▼ 0.25 pts · high 1.10% / low 0.85%
- Oct 12, 20260.85%▼ from 1.10%
- Sep 24, 20261.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.98% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.98% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
24 Month Standard CD
$1,000
0.75%
▼ 1.98% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▼ 1.98% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
2 Year IRA+ Certificate of Deposit
$5,000
0.51%
▼ 2.22% below Iowa avg
▼
Rate0.51%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 2.22% below avgNationally 2.88%
Details
Rate History
No change since Oct 11, 2026 · 0.51% APY
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Certificates of Deposit (CDs) - 24 Month
$1,000
0.50%
▼ 2.23% below Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▼ 2.23% below avgNationally 2.88%
Details
Balance: $1,000.00 and above
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
24 Month CD
$2,500
0.35%
▼ 2.38% below Iowa avg
▼
Rate0.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.73%▼ 2.38% below avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 0.35% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month CD
$0
4.65%
▲ 1.92% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
As High As; $1,000 minimum balance required to obtain stated APY in each term tier; Annual Percentage Yield accurate as of 10/1/2026 and subject to change without notice; Penalty for early withdrawal; interest compounds daily and is credited monthly and at maturity
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month Youth Mini Certificates of Deposit
$0
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $250 - $1,000; Members ages 17 and under
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.65%
▲ 1.92% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.92% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24-Month Certificate
$1,000
4.55%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.82% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 24 Month Certificate
$1,000
4.55%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.73%▲ 1.82% above avgNationally 2.88%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 2 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month CD
$0
4.50%
▲ 1.77% above Iowa avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.73%▲ 1.77% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
West Des Moines 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
IntraFi Network CD 3 Year
$100,000
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.39%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Treasury Rates**: 4.87%
Rate History
No change since Oct 12, 2026 · 4.50% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91%
▲ 1.32% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.32% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 36-month IRA
$0
3.85%
▲ 1.26% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.26% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 3.85% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 36 Month
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.80% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRA - 36 Months
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
36 Month Jumbo Certificates
$0
3.80%
▲ 1.21% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.21% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
36 Month Certificates
$0
3.75%
▲ 1.16% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.16% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 13, 20263.75%▲ from 3.25%
- Sep 18, 20263.25%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 36 Month
$0
3.70%
▲ 1.11% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.11% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
36 Month Certificates of Deposit
$0
3.65%
▲ 1.06% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.06% above avgNationally 2.81%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.63%
▲ 1.04% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.04% above avgNationally 2.81%
Details
Balance: $10,000+
Rate History
1 change since Sep 24, 2026 · 2.72% → 3.63% ▲ 0.91 pts · high 3.63% / low 2.72%
- Oct 3, 20263.63%▲ from 2.72%
- Sep 24, 20262.72%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 36 Month
$0
3.60%
▲ 1.01% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.01% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.60% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.43%
▲ 0.84% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.84% above avgNationally 2.81%
Details
Balance: $50,000+
Rate History
1 change since Sep 14, 2026 · 3.02% → 3.43% ▲ 0.41 pts · high 3.43% / low 3.02%
- Oct 3, 20263.43%▲ from 3.02%
- Sep 14, 20263.02%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
36 Month Business Share Certificates
$0
3.31%
▲ 0.72% above Iowa avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 0.72% above avgNationally 2.81%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.31% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
36 Month Share Certificates
$1,000
3.31%
▲ 0.72% above Iowa avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 0.72% above avgNationally 2.81%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.31% APY · checked 4 times
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 36 Months
$1,500
3.23%
▲ 0.64% above Iowa avg
▼
Rate3.20%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 0.64% above avgNationally 2.81%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.23% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.12%
▲ 0.53% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.53% above avgNationally 2.81%
Details
Balance: $25,000+
Rate History
1 change since Sep 14, 2026 · 2.82% → 3.12% ▲ 0.30 pts · high 3.12% / low 2.82%
- Oct 3, 20263.12%▲ from 2.82%
- Sep 14, 20262.82%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
3.02%
▲ 0.43% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 0.43% above avgNationally 2.81%
Details
Balance: $2,500 (GO)
Rate History
2 changes since Sep 14, 2026 · 2.52% → 3.02% ▲ 0.50 pts · high 3.02% / low 2.52%
- Oct 3, 20263.02%▲ from 2.72%
- Sep 24, 20262.72%▲ from 2.52%
- Sep 14, 20262.52%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
25 - 36 Month Standard Term CDs
$0
2.52%
▼ 0.07% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.07% below avgNationally 2.81%
Details
$25,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
25 - 36 Month Standard Term CDs
$0
2.42%
▼ 0.17% below Iowa avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.17% below avgNationally 2.81%
Details
$10,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.42% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
25 - 36 Month Standard Term CDs
$0
2.32%
▼ 0.27% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.27% below avgNationally 2.81%
Details
$1,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.32% APY · checked 8 times
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5700 University Ave, West Des Moines, IA 50266
CD/IRA Standard Renewal Rate - 36-Month
$1,000
2.10%
▼ 0.49% below Iowa avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.49% below avgNationally 2.81%
Details
Balance: All Balances
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
36 Month Regular & IRA Certificates
$500
2.02%
▼ 0.57% below Iowa avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▼ 0.57% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
2.01%
▼ 0.58% below Iowa avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 0.58% below avgNationally 2.81%
Details
Balance: $2,500+
Rate History
1 change since Sep 14, 2026 · 2.52% → 2.01% ▼ 0.51 pts · high 2.52% / low 2.01%
- Oct 3, 20262.01%▼ from 2.52%
- Sep 14, 20262.52%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
36 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.90%
▼ 0.69% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.69% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.90% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
36 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.80%
▼ 0.79% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.79% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
36 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.70%
▼ 0.89% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.89% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
36 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.60%
▼ 0.99% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 0.99% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.60% APY
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
36 Month CD
$0
1.49%
▼ 1.10% below Iowa avg
▼
Rate1.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.10% below avgNationally 2.81%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.49% APY · checked 2 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
36 Month CD
$0
1.41%
▼ 1.18% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 1.18% below avgNationally 2.81%
Details
Balance: $500+
Rate History
1 change since Sep 14, 2026 · 1.20% → 1.41% ▲ 0.21 pts · high 1.41% / low 1.20%
- Oct 3, 20261.41%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
36 Month Certificate of Deposit
$0
1.40%
▼ 1.19% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.19% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 5 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
36 Month CD
$0
1.30%
▼ 1.29% below Iowa avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▼ 1.29% below avgNationally 2.81%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 1.30% APY · checked 4 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
36 Month Step Up CD
$0
1.27%
▼ 1.32% below Iowa avg
▼
Rate1.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.32% below avgNationally 2.81%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.27% APY · checked 2 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
36-month CD
$500
1.10%
▼ 1.49% below Iowa avg
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 1.49% below avgNationally 2.81%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 3 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
36 Month CD
$0
1.00%
▼ 1.59% below Iowa avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▼ 1.59% below avgNationally 2.81%
Details
Balance: $0 - $9,999
Rate History
1 change since Sep 24, 2026 · 1.30% → 1.00% ▼ 0.30 pts · high 1.30% / low 1.00%
- Oct 12, 20261.00%▼ from 1.30%
- Sep 24, 20261.30%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.84% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.84% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
36 Month Standard CD
$1,000
0.75%
▼ 1.84% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▼ 1.84% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
36 Month CD
$2,500
0.40%
▼ 2.19% below Iowa avg
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▼ 2.19% below avgNationally 2.81%
Details
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.70%
▲ 2.11% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.11% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.70%
▲ 2.11% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.11% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.60%
▲ 2.01% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.01% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.60%
▲ 2.01% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 2.01% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 36 Month
$0
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Balance: $100,000.00 and above
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Sep 27, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.50%
▲ 1.91% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.91% above avgNationally 2.81%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
36-Month Certificate
$1,000
4.49%
▲ 1.90% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.90% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.49% ▲ 0.67 pts · high 4.49% / low 3.82%
- Oct 9, 20264.49%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 36 Month Certificate
$1,000
4.49%
▲ 1.90% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.59%▲ 1.90% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.49% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 36 Month
$0
4.35%
▲ 1.76% above Iowa avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.59%▲ 1.76% above avgNationally 2.81%
Details
Balance: $2,000.00 - $99,999.99
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36 Month CD Specials
$225,000
4.35%
▲ 1.76% above Iowa avg
▼
Rate4.28%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.76% above avgNationally 2.81%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
36 Month CD
$5,000
4.30%
▲ 1.71% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.59%▲ 1.71% above avgNationally 2.81%
Details
Limited Time Only
Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.27%
▲ 1.68% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.59%▲ 1.68% above avgNationally 2.81%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
West Des Moines 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▲ 1.50% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.50% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 48-month IRA
$0
4.10%
▲ 1.45% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.45% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.10% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
48 Month Jumbo Certificates
$0
4.05%
▲ 1.40% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.40% above avgNationally 2.80%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 48 Month
$0
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.80% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$0
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRA - 48 Months
$0
3.80%
▲ 1.15% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.15% above avgNationally 2.80%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 48 Month
$0
3.70%
▲ 1.05% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.05% above avgNationally 2.80%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
48 Month Certificates of Deposit
$0
3.65%
▲ 1.00% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.00% above avgNationally 2.80%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 48 Month
$0
3.60%
▲ 0.95% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.95% above avgNationally 2.80%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.60% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
3.53%
▲ 0.88% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.88% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.12% → 3.53% ▲ 0.41 pts · high 3.53% / low 3.12%
- Oct 3, 20263.53%▲ from 3.12%
- Sep 14, 20263.12%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
48 Month Business Share Certificates
$0
3.33%
▲ 0.68% above Iowa avg
▼
Rate3.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.68% above avgNationally 2.80%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
48 Month Share Certificates
$1,000
3.33%
▲ 0.68% above Iowa avg
▼
Rate3.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 0.68% above avgNationally 2.80%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.33% APY · checked 4 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
3.22%
▲ 0.57% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.57% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.92% → 3.22% ▲ 0.30 pts · high 3.22% / low 2.92%
- Oct 3, 20263.22%▲ from 2.92%
- Sep 14, 20262.92%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 48 Months
$1,500
3.12%
▲ 0.47% above Iowa avg
▼
Rate3.10%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 0.47% above avgNationally 2.80%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.12% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
3.12%
▲ 0.47% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 0.47% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 14, 2026 · 2.77% → 3.12% ▲ 0.35 pts · high 3.12% / low 2.77%
- Oct 3, 20263.12%▲ from 2.82%
- Sep 24, 20262.82%▲ from 2.77%
- Sep 14, 20262.77%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
37 - 48 Month Standard Term CDs
$0
2.63%
▼ 0.02% below Iowa avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.02% below avgNationally 2.80%
Details
$25,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.63% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
37 - 48 Month Standard Term CDs
$0
2.52%
▼ 0.13% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.13% below avgNationally 2.80%
Details
$10,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
37 - 48 Month Standard Term CDs
$0
2.42%
▼ 0.23% below Iowa avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.23% below avgNationally 2.80%
Details
$1,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.42% APY · checked 8 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
2.11%
▼ 0.54% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▼ 0.54% below avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.77% → 2.11% ▼ 0.66 pts · high 2.77% / low 2.11%
- Oct 3, 20262.11%▼ from 2.77%
- Sep 14, 20262.77%first recorded
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5700 University Ave, West Des Moines, IA 50266
CD/IRA Standard Renewal Rate - 48-Month
$1,000
2.10%
▼ 0.55% below Iowa avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.55% below avgNationally 2.80%
Details
Balance: All Balances
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
48 Month Regular & IRA Certificates
$500
2.07%
▼ 0.58% below Iowa avg
▼
Rate2.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▼ 0.58% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 6 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
48 Month Variable Certificate
$0
2.07%
▼ 0.58% below Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▼ 0.58% below avgNationally 2.80%
Details
Variable dividend rate; Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 6 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
48 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.95%
▼ 0.70% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.70% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.95% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
48 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.85%
▼ 0.80% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.80% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
48 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.75%
▼ 0.90% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 0.90% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
48 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.65%
▼ 1.00% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.00% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.65% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
48 Month CD
$0
1.51%
▼ 1.14% below Iowa avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▼ 1.14% below avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 1.30% → 1.51% ▲ 0.21 pts · high 1.51% / low 1.30%
- Oct 3, 20261.51%▲ from 1.30%
- Sep 14, 20261.30%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
48 Month Certificate of Deposit
$0
1.45%
▼ 1.20% below Iowa avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.20% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 5 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
48 Month CD
$0
1.42%
▼ 1.23% below Iowa avg
▼
Rate1.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.23% below avgNationally 2.80%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.42% APY · checked 2 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
48 Month CD
$0
1.40%
▼ 1.25% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▼ 1.25% below avgNationally 2.80%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 1.40% APY · checked 4 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
48-month CD
$500
1.20%
▼ 1.45% below Iowa avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▼ 1.45% below avgNationally 2.80%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
48 Month CD
$0
1.20%
▼ 1.45% below Iowa avg
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▼ 1.45% below avgNationally 2.80%
Details
Balance: $0 - $9,999
Rate History
1 change since Sep 24, 2026 · 1.40% → 1.20% ▼ 0.20 pts · high 1.40% / low 1.20%
- Oct 12, 20261.20%▼ from 1.40%
- Sep 24, 20261.40%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.90% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.90% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
48 Month Standard CD
$1,000
0.75%
▼ 1.90% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▼ 1.90% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.75%
▲ 2.10% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.10% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
- Oct 9, 20264.75%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.75%
▲ 2.10% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.10% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.65%
▲ 2.00% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.00% above avgNationally 2.80%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.65%
▲ 2.00% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 2.00% above avgNationally 2.80%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
48-Month Certificate
$1,000
4.55%
▲ 1.90% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.90% above avgNationally 2.80%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 48 Month Certificate
$1,000
4.55%
▲ 1.90% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.65%▲ 1.90% above avgNationally 2.80%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 2 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
4.50%
▲ 1.85% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.85% above avgNationally 2.80%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 48 Month
$0
4.45%
▲ 1.80% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.80% above avgNationally 2.80%
Details
Balance: $100,000.00 and above
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30%
- Oct 14, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 48 Month
$0
4.30%
▲ 1.65% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.65% above avgNationally 2.80%
Details
Balance: $2,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.30% ▼ 0.00 pts · high 4.30% / low 4.24%
- Oct 14, 20264.30%▲ from 4.24%
- Sep 27, 20264.24%▼ from 4.30%
- Sep 18, 20264.30%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.27%
▲ 1.62% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.62% above avgNationally 2.80%
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
48 Month Certificate
$10,000
4.25%
▲ 1.60% above Iowa avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.65%▲ 1.60% above avgNationally 2.80%
Details
Balance: $10,000
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.16%
▲ 1.51% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.51% above avgNationally 2.80%
Details
Balance: $1,000-$99,999
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit
$1,000
4.04%
▲ 1.39% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.65%▲ 1.39% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; $1,000 minimum deposit to open certificates
Rate History
No change since Oct 14, 2026 · 4.04% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
4.00%
▲ 1.35% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.35% above avgNationally 2.80%
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48 Month Certificate
$1,000
3.90%
▲ 1.25% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.25% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 3, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month CD
$500
3.85%
▲ 1.20% above Iowa avg
▼
Rate3.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.65%▲ 1.20% above avgNationally 2.80%
Details
Rate History
No change since Sep 28, 2026 · 3.85% APY · checked 4 times
West Des Moines 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.96% above Iowa avg
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.96% above avgNationally 2.91%
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
Individual Retirement Account Certificates - 60-month IRA
$0
4.61%
▲ 1.91% above Iowa avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.91% above avgNationally 2.91%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 13, 2026 · 4.61% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
60 Month Jumbo Certificates
$0
4.55%
▲ 1.85% above Iowa avg
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.85% above avgNationally 2.91%
Details
Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.
Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
909 9th St, West Des Moines, IA 50265
60 Month Certificates
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.91%
Details
Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 13, 20264.50%▲ from 3.50%
- Sep 18, 20263.50%first recorded
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 60 Month
$0
3.91%
▲ 1.21% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.21% above avgNationally 2.91%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.91% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 60 Month
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.80% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRA - 60 Months
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.91%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 60 Month
$0
3.70%
▲ 1.00% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.00% above avgNationally 2.91%
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
60 Month Certificates of Deposit
$0
3.65%
▲ 0.95% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.95% above avgNationally 2.91%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$50,000
3.63%
▲ 0.93% above Iowa avg
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.93% above avgNationally 2.91%
Details
Balance: 50,000+
Rate History
1 change since Sep 14, 2026 · 3.22% → 3.63% ▲ 0.41 pts · high 3.63% / low 3.22%
- Oct 3, 20263.63%▲ from 3.22%
- Sep 14, 20263.22%first recorded
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
60 Month Business Share Certificates
$0
3.35%
▲ 0.65% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.65% above avgNationally 2.91%
Details
Footnote: $5,000 minimum balance. Interest compounded monthly unless paid directly to you. Withdrawal of earnings could reduce APY. Early withdrawal penalty of 180 days of interest will be imposed.
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
1630 22nd St, West Des Moines, IA 50266 1407
60 Month Share Certificates
$1,000
3.35%
▲ 0.65% above Iowa avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 0.65% above avgNationally 2.91%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest; withdrawal of earnings could reduce APY
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$25,000
3.32%
▲ 0.62% above Iowa avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.62% above avgNationally 2.91%
Details
Balance: 25,000+
Rate History
1 change since Sep 14, 2026 · 3.02% → 3.32% ▲ 0.30 pts · high 3.32% / low 3.02%
- Oct 3, 20263.32%▲ from 3.02%
- Sep 14, 20263.02%first recorded
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$10,000
3.22%
▲ 0.52% above Iowa avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▲ 0.52% above avgNationally 2.91%
Details
Balance: 10,000+
Rate History
1 change since Sep 14, 2026 · 2.92% → 3.22% ▲ 0.30 pts · high 3.22% / low 2.92%
- Oct 3, 20263.22%▲ from 2.92%
- Sep 14, 20262.92%first recorded
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
140 S 68th St, West Des Moines, IA 50266
Certificate of Deposit - 60 Months
$1,500
3.02%
▲ 0.32% above Iowa avg
▼
Rate3.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.32% above avgNationally 2.91%
Details
Early withdrawal penalty fees may apply on CDs 6 to 60 months
Rate History
No change since Oct 14, 2026 · 3.02% APY
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
49 - 60 Month Standard Term CDs
$0
2.73%
▲ 0.03% above Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 0.03% above avgNationally 2.91%
Details
$25,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.73% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
49 - 60 Month Standard Term CDs
$0
2.63%
▼ 0.07% below Iowa avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 0.07% below avgNationally 2.91%
Details
$10,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.63% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
49 - 60 Month Standard Term CDs
$0
2.52%
▼ 0.18% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 0.18% below avgNationally 2.91%
Details
$1,000 Minimum tier
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 8 times
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$2,500
2.22%
▼ 0.48% below Iowa avg
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 0.48% below avgNationally 2.91%
Details
Balance: 2,500+
Rate History
1 change since Sep 14, 2026 · 2.82% → 2.22% ▼ 0.60 pts · high 2.82% / low 2.22%
- Oct 3, 20262.22%▼ from 2.82%
- Sep 14, 20262.82%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Regular & IRA Certificates
$500
2.13%
▼ 0.57% below Iowa avg
▼
Rate2.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 6 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Variable Certificate
$0
2.13%
▼ 0.57% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.91%
Details
Variable dividend rate; Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 6 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Variable Education Certificate
$0
2.13%
▼ 0.57% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.91%
Details
Variable dividend rate; Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 6 times
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5700 University Ave, West Des Moines, IA 50266
CD/IRA Standard Renewal Rate - 60-Month
$1,000
2.10%
▼ 0.60% below Iowa avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 0.60% below avgNationally 2.91%
Details
Balance: All Balances
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
60 Month Certificate of Deposit - Platinum Loyalty Tier
$0
2.00%
▼ 0.70% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 0.70% below avgNationally 2.91%
Details
Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 2.00% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
60 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.90%
▼ 0.80% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 0.80% below avgNationally 2.91%
Details
Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.90% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
60 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.80%
▼ 0.90% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 0.90% below avgNationally 2.91%
Details
Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
60 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.70%
▼ 1.00% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.00% below avgNationally 2.91%
Details
Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.70% APY
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
60 Month CD
$500
1.61%
▼ 1.09% below Iowa avg
▼
Rate1.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 1.09% below avgNationally 2.91%
Details
Balance: 500+
Rate History
1 change since Sep 14, 2026 · 1.40% → 1.61% ▲ 0.21 pts · high 1.61% / low 1.40%
- Oct 3, 20261.61%▲ from 1.40%
- Sep 14, 20261.40%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
270 S 68th St, West Des Moines, IA 50266
60 Month CD
$0
1.51%
▼ 1.19% below Iowa avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▼ 1.19% below avgNationally 2.91%
Details
Balance: $0 - $9,999
Rate History
No change since Sep 24, 2026 · 1.51% APY · checked 4 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
620 S 60th St, West Des Moines, IA 50266
60 Month Certificate of Deposit
$0
1.50%
▼ 1.20% below Iowa avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.20% below avgNationally 2.91%
Details
Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
60 Month CD
$0
1.34%
▼ 1.36% below Iowa avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.36% below avgNationally 2.91%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.34% APY · checked 2 times
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
60-month CD
$500
1.25%
▼ 1.45% below Iowa avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 1.45% below avgNationally 2.91%
Details
Minimum to Open/Average Daily Balance to Earn APY: $500 and above
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
60 Month Step Up CD
$0
1.19%
▼ 1.51% below Iowa avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.51% below avgNationally 2.91%
Details
Balance: $0 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.19% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.95% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.95% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7465 Ashworth Rd, West Des Moines, IA 50266
60 Month Standard CD
$1,000
0.75%
▼ 1.95% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▼ 1.95% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
9750 University Ave, West Des Moines, IA 50266
60 Month CD
$2,500
0.50%
▼ 2.20% below Iowa avg
▼
Rate0.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Iowa Average2.70%▼ 2.20% below avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%
- Oct 9, 20264.80%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.80% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.91%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.91%
Details
Balance: $50,000 to $99,999.99
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
60-Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.91%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit - 60 Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.91%
Details
Balance: $1000 to $49,999.99
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 2 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.91%
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 5 Year
$0
4.45%
▲ 1.75% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.75% above avgNationally 2.91%
Details
Balance: $100,000.00 and above
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30%
- Oct 14, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 Month CD Specials
$225,000
4.45%
▲ 1.75% above Iowa avg
▼
Rate4.38%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.75% above avgNationally 2.91%
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.45% APY · checked 3 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Relationship CD
$500
4.40%
▲ 1.70% above Iowa avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.70% above avgNationally 2.91%
Details
Must have a loan, deposit, or trust and investment account with City State Bank.
Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 Month CD Specials
$125,000
4.35%
▲ 1.65% above Iowa avg
▼
Rate4.28%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.65% above avgNationally 2.91%
Details
Deposit Amount: $125,000.00-$224,999.99`; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 5 Year
$0
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.91%
Details
Balance: $2,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.30% ▼ 0.00 pts · high 4.30% / low 4.24%
- Oct 14, 20264.30%▲ from 4.24%
- Sep 27, 20264.24%▼ from 4.30%
- Sep 18, 20264.30%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month CD
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.91%
Details
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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West Des Moines, IA CD Rate Trends
Compare local West Des Moines, IA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD IA Avg
2.845%
▲ 0.016 vs 7 days ago
Iowa 12-month CD rates rose 0.016 points over the past 7 days to 2.845% APY.
6-Month CD IA Avg
2.671%
▼ 0.020 vs 7 days ago
Iowa 6-month CD rates fell 0.020 points over the past 7 days to 2.671% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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IA CD Rate Forecast, Next 12 Months
Where are Iowa CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.845%
6-Month Forecast
2.845%
Range: 2.65%, 3.00%
12-Month Forecast
3.095%
Range: 2.90%, 3.25%
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What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.904% | $95.21 | $190.41 | $476.03 | $952.05 |
| 6-Month CD | 2.671% | $133.56 | $267.12 | $667.80 | $1,335.60 |
| 12-Month CD | 2.845% | $142.25 | $284.50 | $711.25 | $1,422.50 |
| 18-Month CD | 2.838% | $141.91 | $283.82 | $709.55 | $1,419.10 |
| 24-Month CD | 2.725% | $136.26 | $272.52 | $681.30 | $1,362.60 |
| 36-Month CD | 2.591% | $129.54 | $259.07 | $647.68 | $1,295.35 |
| 48-Month CD | 2.647% | $132.34 | $264.67 | $661.68 | $1,323.35 |
| 60-Month CD | 2.704% | $135.19 | $270.37 | $675.93 | $1,351.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for West Des Moines, Iowa Savers
$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.904% | $95.21 |
| 2 | 6-Month CD | $5,000 | 2.671% | $133.56 |
| 3 | 12-Month CD | $5,000 | 2.845% | $142.25 |
| 4 | 24-Month CD | $5,000 | 2.725% | $136.26 |
| 5 | 36-Month CD | $5,000 | 2.591% | $129.54 |
| Total ($25,000 invested) | $25,000 | 2.547% blended | $636.82/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.
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1,314
CD Rates
Tracked in West Des Moines, Iowa
Tracked in West Des Moines, Iowa
77 Banks
33 Credit Unions
About Our West Des Moines, Iowa CD Rate Database
MonitorBankRates tracks 1,314 CD rates from 77 banks and 33 credit unions with locations in West Des Moines, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Marine Credit Union offers a CD at 4.66% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Des Moines, Iowa.
How to Find the Best CD Rates in West Des Moines, Iowa
What to compare when shopping for a CD in West Des Moines, Iowa
To find the best APYs in West Des Moines, Iowa, start with credit unions and online-only banks: West Des Moines, Iowa has 33 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 West Des Moines, Iowa
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in West Des Moines, Iowa: 110 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare West Des Moines, Iowa savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare West Des Moines, Iowa money market rates
West Des Moines, Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.1%
National avg: 17.3%
Median Individual Earnings
$51,642
National avg: $47,340
Poverty Rate
8.4%
National avg: 11.1%
Unemployment Rate
2.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$147/yr
At IA 12-mo avg 2.845% APY
15.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.4% reflects a strong local economy. At today’s IA 12-month CD average of 2.845%, saving 10% of the local median salary ($5,164/year) and putting it in a CD would earn an additional $147 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 West Des Moines, Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in West Des Moines, Iowa
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in West Des Moines, Iowa typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in West Des Moines, Iowa as everywhere in the U.S.
Choosing a CD Term in West Des Moines, Iowa
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give West Des Moines, Iowa savers easier access to their funds. For example, SSB West Des Moines, IA is offering its Certificate of Deposit 6 Month at 4.32% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Marine Credit Union is offering its Jumbo Individual Retirement Account Certificates - 60-month at 4.66% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for West Des Moines, Iowa Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a West Des Moines, Iowa saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in West Des Moines, Iowa
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the West Des Moines, Iowa CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in West Des Moines, Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a West Des Moines, Iowa depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in West Des Moines, Iowa
Are CD rates in West Des Moines, Iowa FDIC insured?
Yes, most established banks in West Des Moines, Iowa are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in West Des Moines, Iowa?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in West Des Moines, Iowa.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in West Des Moines, Iowa may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in West Des Moines, Iowa?
Here are recent top rates found for this area:
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- Midwest Heritage Bank: 4.50% APY (Certificate of Deposit - 24 Months)
- Fidelity Bank Savanna, IL: 4.50% APY (20-month special, with rollover into 24-month at time of maturity)
- Bank: 4.50% APY (IntraFi Network CD 3 Year)
- TruBank: 4.35% APY (6-12 Month CD Special)
- SSB West Des Moines, IA: 4.32% APY (Certificate of Deposit 6 Month)
- Financial Plus Credit Union: 4.08% APY (Certificate Specials - 18 Months)
- Bankers Trust Company: 4.06% APY (3 Month CD - Loyalty Platinum Tier)
- Earlham Savings Bank: 4.00% APY (12 Month Certificates of Deposit)
- South Story B&T: 4.00% APY (3-Month CD Special)
Rates reflect recent verified offers available in West Des Moines, Iowa. Last Updated: October 14, 2026
West Des Moines, Iowa CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current West Des Moines, Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for West Des Moines, Iowa
West Des Moines, Iowa CD Calculator
At today’s IA top rate of 4.66% APY, a $10,000 deposit earns $466 in the first year. Enter your amount to see your exact return.
West Des Moines, Iowa CD LadderIA CD rates currently range from 1.904% (3-month) to 2.591% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a West Des Moines, Iowa CD at 4.66% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.845% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West Des Moines, Iowa CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for West Des Moines, Iowa directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in West Des Moines, Iowa. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
West Des Moines, Iowa Rates & Resources
West Des Moines, Iowa Mortgage Rates
West Des Moines, Iowa Refinance Rates
West Des Moines, Iowa Home Equity Loan Rates
West Des Moines, Iowa Savings Rates
West Des Moines, Iowa Money Market Rates
West Des Moines, Iowa Checking Rates
West Des Moines, Iowa Auto Loan Rates
West Des Moines, Iowa Personal Loan Rates
West Des Moines, Iowa Homeowners Insurance
West Des Moines, Iowa Car Insurance
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