Iowa

Image Courtesy: www.pixabay.com

Credit Union CD Rates – 6-Month – Iowa

You are viewing rates from credit unions across Iowa





Below are the best six month CD Rates from credit unions in Iowa. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

IA - July 31, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

30 MONTH BMP
Rate History: 3.40% → 0.30%

Rate History: 2.02% → 2.00%

0.90%

$100,000

-

Learn More

0.85%

$100,000

-

Learn More

Cobalt


Restrictions

0.70%

$100,000

-

Learn More

| May 17, 2023

I left a message with the teller to have the manager call me as I wanted to open an account with the bank but had several questions. I live an hour away and thought a call would be easier. The manager neve... Read More

| Sep 25, 2021

Centris bank, the Omaha branch specifically, allowed my ex-husband to forge my name over and over and over for five years to three different loans. Forge my name on the original loan documents and then... Read More

0.60%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

Cobalt


Restrictions

0.60%

$10,000

-

Learn More

| Apr 4, 2021

I have been a member here for 30 years and I have a reloadable debit card. They accidentally put an extra $465 on my card. In order to return the money, I incurred a $2 fee, which they claimed they wo... Read More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

0.55%

$500

-

Learn More

0.50%

$1,000

-

Learn More

| Mar 13, 2019

I am not a member of this credit union, but I am currently holding an account there as the personal rep of my sister's estate. She was a member there, a recent County retiree. I am writing on her behalf. ... Read More

0.50%

$10,000

-

Learn More

0.50%

$1,000

-

Learn More

| Sep 25, 2021

Centris bank, the Omaha branch specifically, allowed my ex-husband to forge my name over and over and over for five years to three different loans. Forge my name on the original loan documents and then... Read More

| Apr 4, 2021

I have been a member here for 30 years and I have a reloadable debit card. They accidentally put an extra $465 on my card. In order to return the money, I incurred a $2 fee, which they claimed they wo... Read More

0.50%

$100,000

-

Learn More

0.45%

$100,000

-

Learn More

0.45%

$100,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$1,000

-

Learn More

0.40%

$100,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.35%

$2,000

-

Learn More

0.35%

$100,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.33%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

| Apr 24, 2023

No they don’t have deposit as a function. Read More

0.30%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$500

-

Learn More

0.25%

$90,000

-

Learn More

0.25%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| Aug 2, 2023

I would never suggest getting a car loan thru this place 11 days ago I was told everything was good on my car loan after it had been repossessed an now they are trying to pick up my car again just paid 210... Read More

0.10%

$10,000

-

Learn More

Edu


Restrictions

0.01%

$500

-

Learn 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 zip 10007


Branch Street City State
VERIDIAN
Prairie Trail Hy-vee Prairie Trail Hy-vee Branch
2510 SW State Street Ankeny IA
TOWN AND COUNTRY
Town And Country Town And Country Branch
1024 5TH STREET HARLAN IA
TOWN AND COUNTRY
Town And Country Town And Country Branch
1024 5TH STREET HARLAN IA
FORT DODGE FAMILY
Fort Dodge Family Fort Dodge Family Branch
215 Central Ave Fort Dodge IA
I. H. MISSISSIPPI VALLEY
I. H. Mississippi Va I. H. Mississippi Va Branch
1703 11th Street DeWitt IA
RIVER COMMUNITY
River Community River Community Branch
644 West Second Street Ottumwa IA
CENTRIS
Council Bluffs Branch Council Bluffs Branch
2825 Avenue G Council Bluffs IA
SERVE
Des Moines Police Of Des Moines Police Of Branch
423 East Court Avenue Des Moines IA
N.W. IOWA
N.w. Iowa N.w. Iowa Branch
1411 Industrial Rd SW Le Mars IA
TELCO TRIAD COMMUNITY
Telco-triad Communit Telco-triad Communit Branch
1420 Tri View Avenue Sioux City IA
NORTH IOWA COMMUNITY
North Iowa Community North Iowa Community Branch
640 S FEDERAL AVE MASON CITY IA
R.I.A.
R.i.a. R.i.a. Branch
4217 Utica Ridge Rd Bettendorf IA
ASCENTRA
Ascentra Ascentra Branch
1710 Grant Street Bettendorf IA
NORTH STAR COMMUNITY
North Star North Star Branch
1030 S. SECOND STREET CHEROKEE IA
1ST GATEWAY
1st Gateway 1st Gateway Branch
2603 Camanche Ind Park Drive Camanche IA
ASCENTRA
Ascentra Ascentra Branch
1710 Grant Street Bettendorf IA
SIOUXLAND
Siouxland Siouxland Branch
2920 Gordon Drive Sioux City IA
CENTRIS
Council Bluffs Branch Council Bluffs Branch
2825 Avenue G Council Bluffs IA
TELCO TRIAD COMMUNITY
Telco-triad Communit Telco-triad Communit Branch
1420 Tri View Avenue Sioux City IA
MEMBERS1ST COMMUNITY
Members1st Community Members1st Community Branch
910 S 12th Ave Marshalltown IA
CREIGHTON
Creighton Creighton Branch
800 Mercy Drive Council Bluffs IA
COMMUNITY 1ST
Centerville Centerville Branch
999 N 18th St Centerville IA
I. H. MISSISSIPPI VALLEY
I. H. Mississippi Va I. H. Mississippi Va Branch
1703 11th Street DeWitt IA
FORT DODGE FAMILY
Fort Dodge Family Fort Dodge Family Branch
215 Central Ave Fort Dodge IA
SERVE
Des Moines Police Of Des Moines Police Of Branch
423 East Court Avenue Des Moines IA
COLLINS COMMUNITY
Collins Community Collins Community Branch
1150 42nd Street NE Cedar Rapids IA
AIM
Alliant Alliant Branch
1200 Associates Dr, Ste 102 Dubuque IA
IOWA HEARTLAND
Iowa Heartland Iowa Heartland Branch
1602 S MONROE AVE MASON CITY IA
MERIDIAN
Meridian Meridian Branch
1206 N Jefferson Street Ottumwa IA
CREIGHTON
Creighton Creighton Branch
800 Mercy Drive Council Bluffs IA
PREMIER
Premier Premier Branch
800 9th St Des Moines IA
COMMUNITY CHOICE
Community Choice Community Choice Branch
8404 nw 62nd ave johnston IA
DU TRAC COMMUNITY
Du Trac Community Du Trac Community Branch
3465 ASBURY RD DUBUQUE IA
MEMBERS1ST COMMUNITY
Members1st Community Members1st Community Branch
910 S 12th Ave Marshalltown IA
DUPACO COMMUNITY
Dupaco Community Dupaco Community Branch
3299 Hillcrest Road Dubuque IA
THE HUB-CO
The Hub-co The Hub-co Branch
310 Bank St Keokuk IA
FINANCIAL PLUS
Financial Plus Financial Plus Branch
1831 25th Street West Des Moines IA
FAMILY COMMUNITY
Family Community Family Community Branch
1211 N Grand Avenue Charles City IA
COLLINS COMMUNITY
Collins Community Collins Community Branch
1150 42nd Street NE Cedar Rapids IA
VIBRANT
Dhcu Community Dhcu Community Branch
5354 Elmore Circle Davenport IA
COMMUNITY 1ST
Centerville Centerville Branch
999 N 18th St Centerville IA
MIDWEST COMMUNITY
Midwest Community Midwest Community Branch
2729 Outer Drive N Sioux City IA
CORDA
Linn Area Linn Area Branch
3015 Blairs Ferry Rd NE Cedar Rapids IA
CASEBINE COMMUNITY
Casebine Community Casebine Community Branch
2115 Des Moines Avenue Burlington IA
FIRST
First First Branch
425 First Ave SW Cedar Rapids IA
THE FAMILY
The Family The Family Branch
1530 W. 53rd Street Davenport IA
GREATER IOWA
Greater Iowa Greater Iowa Branch
801 Lincoln Way Ames IA
COMMUNITY CHOICE
Community Choice Community Choice Branch
8404 nw 62nd ave johnston IA
PEOPLES
Peoples Peoples Branch
310 First ST Webster City IA
GREATER IOWA
Greater Iowa Greater Iowa Branch
801 Lincoln Way Ames IA
GREENSTATE
University Of Iowa C University Of Iowa C Branch
825 Mormon Trek Blvd Iowa City IA
CITIZENS COMMUNITY
Citizens Community Citizens Community Branch
2012 1st Avenue South Fort Dodge IA
5 STAR COMMUNITY
Henry County Communi Henry County Communi Branch
100 S. Cherry Street Mount Pleasant IA


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

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates