Iowa

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Urbandale, Iowa CD Rates – 2-Year

You are viewing rates from banks across Urbandale





Below are two-year Certificates of Deposit (CD) rates from banks in Urbandale, Iowa. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Urbandale, IA - July 17, 2025

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Rate History: 4.76% → 4.70% → 4.60% → 4.45% → 4.09%

Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Rate History: 2.27% → 3.91%

Rate History: 4.20% → 4.50% → 4.00% → 3.70% → 3.50%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Rate History: 3.50% → 3.50% → 3.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

0.90%

$100,000

1.90

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0.90%

$10,000

18.35

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0.85%

$100,000

4.69

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0.80%

$10,000

6.00

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0.80%

$100,000

8.14

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0.80%

$10,000

1.90

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0.70%

$1,000

20.12

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0.70%

$10,000

17.72

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0.65%

$10,000

8.68

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0.65%

$10,000

16.97

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0.60%

$10,000

5.89

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0.60%

$10,000

4.69

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0.60%

$100,000

4.52

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0.55%

$100,000

6.18

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0.50%

$10,000

17.93

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0.50%

$100,000

3.68

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0.45%

$100,000

5.87

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0.45%

$10,000

4.52

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| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

0.40%

$1,000

3.30

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0.40%

$10,000

6.18

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0.40%

$250

5.98

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0.40%

$10,000

8.14

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0.38%

$500

5.48

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0.35%

$10,000

5.87

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0.35%

$2,500

15.61

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0.30%

$10,000

3.68

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0.26%

$1,000

3.30

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| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

0.20%

$10,000

3.95

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Rate History: 0.03% → 0.05%

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Urbandale, IA - July 17, 2025


Branch Street City State
Midwest Heritage Bank, FSB
74th Street Branch
1725 74th Street West Des Moines IA
Luana Savings Bank
Luana Savings Bank Branch
16390 Holcomb Ct. Clive IA
Luana Savings Bank
Luana Savings Bank Branch
16390 Holcomb Ct. Clive IA
State Savings Bank
State Savings Bank Branch
4800 George Mills Civic Parkway, Suite 100 West Des Moines IA
State Savings Bank
State Savings Bank Branch
4800 George Mills Civic Parkway, Suite 100 West Des Moines IA
Bankers Trust Company
Mobile Grimes Branch
110 South East Main Grimes IA
Liberty National Bank
Johnston Branch
5260 Nw 86th St Johnston IA
Raccoon Valley Bank
Minburn Branch
305 Baker Street Minburn IA
Central Bank
Central Bank - West Des Moines Branc Branch
6601 Westown Parkway #140 West Des Moines IA
BANK
West Des Moines Branch
270 S 68th Street West Des Moines IA
Community State Bank
Waukee Branch
University Ave And Warrior Ln Waukee IA
Liberty National Bank
Johnston Branch
5260 Nw 86th St Johnston IA
Peoples Savings Bank
Peoples Savings Bank Branch
400 East Iowa Avenue Indianola IA
City State Bank
Madrid Branch
105 East 2nd Madrid IA
Charter Bank
Waukee Branch
455 6th Street Waukee IA
South Story Bank & Trust
South Story Bank & Trust Branch
501 Linn St Slater IA
Peoples Bank
Adel Branch
804 Greenwood Hills Drive Adel IA
TruBank
Galleria Branch
6205 Mills Civic Parkway West Des Moines IA
Central Bank
Central Bank - West Des Moines Branc Branch
6601 Westown Parkway #140 West Des Moines IA
VISIONBANK OF IOWA
Grimes Branch
925 Se Gateway Drive Grimes IA
Peoples Bank
Adel Branch
804 Greenwood Hills Drive Adel IA
West Bank
Waukee Branch
955 East Hickman Road Waukee IA
Earlham Savings Bank
De Soto Branch
Guthrie Street De Soto IA
Iowa State Bank
Hickman Office Branch
2301 128th Street Urbandale IA
First National Bank, Ames, Iowa
First Bank Branch
5625 Mills Civic Parkway West Des Moines IA
VISIONBANK OF IOWA
Grimes Branch
925 Se Gateway Drive Grimes IA
Two Rivers Bank & Trust
Regency Branch
4500 Westown Parkway West Des Moines IA
West Bank
Waukee Branch
955 East Hickman Road Waukee IA
Great Southern Bank
Jordan Creek Office Branch
6260 Mills Civic Parkway West Des Moines IA
Community State Bank
Waukee Branch
University Ave And Warrior Ln Waukee IA
Bank Iowa
Bank Iowa Branch
1150 Jordan Creek Parkway West Des Moines IA
First National Bank, Ames, Iowa
First Bank Branch
5625 Mills Civic Parkway West Des Moines IA
Lincoln Savings Bank
Lincoln Savings Bank - Adel Office Branch
312 Nile Kinnick Drive South Adel IA
Iowa State Bank
Hickman Office Branch
2301 128th Street Urbandale IA
Two Rivers Bank & Trust
Regency Branch
4500 Westown Parkway West Des Moines IA
Northwest Bank
West Des Moines Branch
5700 University Ave West Des Moines IA
Regions Bank
Des Moines Urbandale Branch
2851 86th Street Urbandale IA
U.S. Bank National Association
Des Moines Ep True Branch
225 50th Street West Des Moines IA
Bank of America, National Association
West Des Moines Branch
3400 Westown Parkway West Des Moines IA
Regions Bank
Des Moines Urbandale Branch
2851 86th Street Urbandale IA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

  • A higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 24 month period.
  • A generally higher rate for the same term than what can be found in a branch-based bank.
  • FDIC insurance.
  • Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for two years. Removing it early results in significant penalties.
  • Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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