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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Iowa
Below are special Certificate of Deposit special rates and terms from banks in Iowa. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
IA - December 13, 2025
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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5.40% | $5,000 | 5 months |
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Rate History: 5.60% → 5.35% → 4.80% → 4.45% → 5.40% |
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North Liberty Branch
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5.25% | $500 | 7 months |
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Rate History: 4.35% → 5.25% |
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West Broadway Branch
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5.25% | $2,000 | 7 months |
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Rate History: 1.00% → 5.40% → 5.25% |
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Polk City Branch
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5.25% | $5,000 | 17 months |
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Rate History: 5.50% → 5.45% → 5.35% → 5.30% → 5.25% |
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Urbandale Branch
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5.20% | $5,000 | 6 months |
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North Liberty Branch
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5.15% | $500 | 10 months |
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Rate History: 4.60% → 5.15% |
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Polk City Branch
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5.10% | $5,000 | 11 months |
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West Broadway Branch
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5.10% | $2,000 | 13 months |
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Rate History: 1.00% → 5.40% → 5.10% |
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Urbandale Branch
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5.07% | $5,000 | 8 months |
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North Liberty Branch
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5.00% | $500 | 13 months |
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Rate History: 4.05% → 5.00% |
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State Savings Bank Branch
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4.84% | $2,000 | 13 months |
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Rate History: 4.58% → 5.10% → 4.84% |
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Blairs Ferry Branch
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4.54% | $1,000 | 7 months |
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Rate History: 4.00% → 5.00% → 4.54% |
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Brilliant Bank, a division of Equity Bank |
4.06% | $1,000 | 15 months |
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% |
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4.03% | $500 | 7 months |
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UMB Bank, National Association |
4.02% | $5,000 | 3 months |
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Rate History: 4.10% → 4.02% |
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4.00% | $2,500 | 4 months |
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U.S. Bank National Association Chariton Drive Up Branch |
4.00% | $1,000 | 5 months |
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Rate History: 3.00% → 5.00% → 4.00% → 3.60% → 4.00% |
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4.00% | $10,000 | 5 months |
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Rate History: 5.05% → 4.90% → 4.65% → 4.25% → 4.00% |
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Citibank, National Association |
4.00% | $0 | 6 months |
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Rate History: 2.25% → 3.80% → 1.50% → 3.50% → 4.00% |
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4.00%
3.85% 3.85% |
$0
$0 |
14 months |
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Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest. |
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3.95%
3.90% 3.90% |
$500
$500 |
11 months |
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Rate History: 4.25% → 3.90% → 4.05% → 3.95% |
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3.90% | $2,500 | 6 months |
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Rate History: 4.75% → 5.15% → 4.00% → 3.85% → 4.25% |
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3.90% | $1,000 | 7 months |
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Rate History: 4.10% → 4.05% → 4.00% → 3.90% |
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3.81% | $1,000 | 13 months |
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Rate History: 4.21% → 4.11% → 4.36% → 4.06% → 3.81% |
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Vinton Branch
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3.80%
3.55% 3.55% |
$501
$500 |
5 months |
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Rate History: 5.00% → 4.75% → 0.01% → 3.80% |
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Belmond Branch
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3.75% | $1,000 | 3 months |
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Rate History: 5.09% → 4.68% → 4.47% → 4.04% → 3.75% |
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Wells Fargo Bank, National Association Clive Branch |
3.75% | $5,000 | 7 months |
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Rate History: 4.25% → 4.00% → 3.75% → 3.64% → 3.75% |
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3.75% | $2,500 | 11 months |
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Rate History: 4.65% → 3.50% → 4.00% → 3.75% |
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3.70% | $250 | 3 months |
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Rate History: 4.00% → 3.70% |
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3.70% | $2,500 | 7 months |
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Rate History: 3.80% → 3.70% |
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Vinton Branch
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3.70%
3.45% 3.45% |
$501
$500 |
8 months |
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Rate History: 4.25% → 4.50% → 4.35% → 4.00% → 3.70% |
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UMB Bank, National Association |
3.70% | $5,000 | 11 months |
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Rate History: 3.75% → 3.70% |
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3.70% | $1,000 | 12 months |
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Rate History: 4.00% → 3.75% → 3.95% → 3.75% → 3.70% |
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3.65%
3.45% 2.60% 2.40% 2.20% 2.10% 2.00% 3.45%2.60% 2.40% 2.20% 2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
4 months |
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3.65% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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3.65% | $5,000 | 8 months |
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Rate History: 3.65% → 3.65% → 3.65% |
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3.65% | $1,000 | 13 months |
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Rate History: 4.10% → 4.30% → 3.60% |
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3.55% | $1,000 | 22 months |
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Rate History: 2.75% → 4.00% → 3.80% → 3.55% |
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3.55% | $1,000 | 36 months |
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Rate History: 3.00% → 3.55% |
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3.51% | $1,000 | 7 months |
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Rate History: 3.85% → 3.51% → 4.03% → 3.85% → 3.51% |
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Bank of America, National Association Meredith Branch |
3.51% | $10,000 | 7 months |
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Rate History: 4.05% → 3.80% → 4.00% → 3.75% → 3.51% |
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U.S. Bank National Association Chariton Drive Up Branch |
3.50% | $1,000 | 9 months |
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Rate History: 4.00% → 3.70% → 3.40% → 3.10% → 3.50% |
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3.50% | $10,000 | 9 months |
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Rate History: 5.00% → 4.75% → 4.00% → 3.50% |
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Citizens Bank, National Association |
3.50% | $25,000 | 10 months |
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Rate History: 5.00% → 5.25% → 5.00% → 4.00% → 3.50% |
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Wells Fargo Bank, National Association Clive Branch |
3.50% | $5,000 | 11 months |
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Rate History: 3.50% → 3.75% → 3.50% → 3.75% → 3.50% |
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3.50% | $5,000 | 11 months |
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11-Month No Penalty CD |
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North American Savings Bank, F.S.B. |
3.50% | $5,000 | 13 months |
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Rate History: 5.35% → 5.15% → 4.40% → 4.20% → 3.50% |
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3.50% | $10,000 | 15 months |
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Rate History: 4.00% → 3.50% |
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Finworth, a division of InsBank |
3.50% | $50,000 | 22 months |
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Rate History: 3.80% → 4.00% → 3.95% → 3.90% → 3.50% |
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3.50% | $1,000 | 25 months |
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Rate History: 3.60% → 3.50% → 3.60% → 3.55% → 3.50% |
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3.45% | $10,001 | 6 months |
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Rate History: 4.00% → 3.00% → 2.75% → 3.51% → 3.45% |
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3.45% | $500 | 11 months |
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Rate History: 3.75% → 3.50% → 4.00% → 3.75% → 3.45% |
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Cedar Rapids Bank and Trust Company Council Street Branch |
3.38% | $500 | 11 months |
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Rate History: 4.25% → 4.06% → 4.05% → 3.63% → 3.38% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.35% | $1,000 | 11 months |
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Account cannot be closed online. Requires reaching phone representative to close. |
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3.30% | $1,000 | 13 months |
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Rate History: 3.75% → 3.30% → 2.65% → 2.95% → 3.30% |
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Vinton Branch
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3.25% | $501 | 13 months |
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Rate History: 3.50% → 3.25% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
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Rate History: 3.50% → 3.35% → 3.25% |
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Blairs Ferry Branch
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3.25% | $1,000 | 14 months |
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Rate History: 1.00% → 5.10% → 3.25% |
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3.25% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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3.25% | $1,000 | 24 months |
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Rate History: 3.50% → 3.25% |
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Citibank, National Association |
3.20% | $0 | 9 months |
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Rate History: 3.00% → 4.25% → 2.50% → 3.25% → 3.20% |
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Bank of America, National Association Meredith Branch |
3.20% | $10,000 | 10 months |
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Rate History: 4.00% → 3.70% → 3.45% → 3.20% |
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3.20% | $0 | 11 months |
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Rate History: 3.75% → 3.55% → 3.40% → 3.30% → 3.20% |
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U.S. Bank National Association Chariton Drive Up Branch |
3.20% | $1,000 | 13 months |
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Rate History: 3.50% → 3.20% → 3.10% → 3.00% → 3.20% |
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3.10% | $10,000 | 9 months |
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Rate History: 3.75% → 3.25% → 3.10% |
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Rising Bank, a division of Midwest BankCentre |
3.10% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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3.00% | $10,000 | 12 months |
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Rate History: 4.50% → 4.00% → 3.75% → 3.51% → 3.00% |
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Vinton Branch
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3.00% | $500 | 13 months |
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Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00% |
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3.00% | $500 | 23 months |
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Early withdrawal penalty is 180 days interest. |
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3.00% | $10,000 | 23 months |
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Rate History: 3.75% → 3.00% |
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2.96% | $5,000 | 51 months |
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2.75%
2.25% 2.10% 2.00% 2.25%2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 |
13 months |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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Vinton Branch
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2.75% | $500 | 19 months |
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Rate History: 3.75% → 2.75% |
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Citibank, National Association |
2.71% | $0 | 8 months |
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Rate History: 0.05% → 3.70% → 3.55% → 3.10% → 2.71% |
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PNC Bank, National Association |
2.60% | $1,000 | 61 months |
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PNC Bank, National Association |
2.40% | $1,000 | 37 months |
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Citibank, National Association |
2.25% | $0 | 3 months |
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Rate History: 3.00% → 2.25% |
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2.25% | $1,000 | 6 months |
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Rate History: 4.65% → 4.55% → 3.45% → 2.50% → 2.25% |
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Bank of America, National Association Meredith Branch |
2.25% | $10,000 | 13 months |
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Rate History: 3.25% → 3.00% → 2.75% → 2.50% → 2.25% |
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PNC Bank, National Association |
2.20% | $1,000 | 25 months |
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Citibank, National Association |
2.00% | $0 | 5 months |
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Rate History: 3.50% → 3.25% → 1.75% → 2.90% → 2.00% |
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2.00% | $1,000 | 9 months |
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Rate History: 4.50% → 4.40% → 3.20% → 2.25% → 2.00% |
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PNC Bank, National Association |
2.00% | $1,000 | 13 months |
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Bank of America, National Association Meredith Branch |
2.00% | $10,000 | 25 months |
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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1.96% | $5,000 | 13 months |
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Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
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Rate History: 1.85% → 1.70% |
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1.70% | $1,000 | 15 months |
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Blairs Ferry Branch
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1.10% | $1,000 | 3 months |
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Rate History: 2.00% → 1.10% |
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JPMorgan Chase Bank, National Association |
0.75% | $100,000 | 6 months |
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Rate History: 3.00% → 2.00% → 1.50% → 1.01% → 0.75% |
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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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Rate History: 1.00% → 0.50% |
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0.05% | $1,000 | 9 months |
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