Highest Bump-Up CD Rates in Iowa
26 Iowa-specific products
The Iowa market
Iowa accounts
26
Institutions
10
Top Iowa APY
4.58% APY
Nationally: 4.35% APY
FDIC national average
1.73%
As of Sep 2026
26 bump-up CDs are open only to Iowa residents, from 10 institutions. The highest advertised APY among them is 4.58%.
The highest nationally available rate is 4.35% APY, 23 basis points below the Iowa leader.
23 of the 26 Iowa bump-up CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Iowa-Specific Bump-Up CDs Rates
Bump-Up CDs rates specifically available to Iowa residents.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.58%APY On balances up to $245,000 · 4.37% above Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #2 | Up to4.32%APY On balances of $50,000 to $245,000 · 4.22% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #3 | Up to4.22%APY On balances of $50,000 to $245,000 · 4.06% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #4 | 4.14%APY Observed: Oct 13, 2026 | $1,000 | ||
| #5 | Up to4.06%APY On balances of $50,000 to $245,000 · 3.96% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #6 | 4.04%APY Observed: Oct 13, 2026 | $1,000 | ||
| #7 | Up to3.91%APY On balances of $50,000 to $245,000 · 3.70% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #8 | 3.90%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #9 | 3.89%APY Observed: Oct 13, 2026 | $1,000 | ||
| #10 | Up to3.80%APY On balances of $50,000 to $245,000 · 3.60% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #11 | Up to3.80%APY On balances of $50,000 to $245,000 · 3.60% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #12 | 3.79%APY Observed: Oct 13, 2026 | $1,000 | ||
| #13 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #14 | 3.63%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #15 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #16 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #17 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #19 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #20 | 3.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #22 | Up to2.90%APY Needs a linked account at the bank · 2.65% without the linked account Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #23 | 2.51%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 1.27%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #25 | 1.19%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #26 | Up to1.00%APY Needs a linked account at the bank · 0.75% without the linked account Observed: Oct 13, 2026 Branches: Yes | $10,000 |
On balances up to $245,000 · 4.37% above
$2,000
Yes
On balances of $50,000 to $245,000 · 4.22% below
$2,000
Yes
On balances of $50,000 to $245,000 · 4.06% below
$2,000
Yes
$1,000
N/A
On balances of $50,000 to $245,000 · 3.96% below
$2,000
Yes
$1,000
N/A
On balances of $50,000 to $245,000 · 3.70% below
$2,000
Yes
$1,000
Yes
$1,000
N/A
On balances of $50,000 to $245,000 · 3.60% below
$2,000
Yes
On balances of $50,000 to $245,000 · 3.60% below
$2,000
Yes
$1,000
N/A
$5,000
Yes
$10,000
Yes
Needs at least $50,000
$1,000
Yes
Needs at least $50,000
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$10,000
Yes
$10,000
Yes
$1,000
Yes
$1,000
Yes
Needs a linked account at the bank · 2.65% without the linked account
$10,000
Yes
$500
Yes
$500
Yes
$500
Yes
Needs a linked account at the bank · 0.75% without the linked account
$10,000
Yes
Nationally Available Bump-Up CDs Rates
The 8 highest bump-up cds rates available nationwide, including in Iowa.
| Institution | Product / Term | APY |
|---|---|---|
| Rising Bank | Rising CD 18-Month18 months | 4.35% |
| Marcus by Goldman Sachs | 20-Month Rate Bump CD20 months | 4.35% |
| Farm Bureau Bank FSB | 1 Year CD with Step-Up Option12 monthsneeds at least $50,000 | Up to3.75% |
| Farm Bureau Bank FSB | 2 Year CD with Step-Up Option24 monthsneeds at least $50,000 | Up to3.70% |
| Farm Bureau Bank FSB | 18 Month CD with Step-Up Option18 monthsneeds at least $50,000 | Up to3.20% |
| Rising Bank | Rising CD 26-Month26 months | 3.15% |
| Farm Bureau Bank FSB | 3 Year CD with Step-Up Option36 monthsneeds at least $50,000 | Up to3.10% |
| Farm Bureau Bank FSB | 4 Year CD with Step-Up Option48 monthsneeds at least $50,000 | Up to3.10% |