Highest 18-Month CD Rates in Iowa
56 Iowa-specific 18-Month CD products
The Iowa market
Iowa accounts
56
Institutions
51
Top Iowa APY
4.30% APY
Nationally: 4.75% APY
56 18-month CDs are open only to Iowa residents, from 51 institutions. The highest advertised APY among them is 4.30%.
The highest nationally available rate is 4.75% APY, 45 basis points above the Iowa leader.
Iowa-Specific 18-Month CD Rates
18-Month CD rates specifically available to Iowa residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.30%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #2 | Up to4.25%APY Needs a linked account at the bank · 3.95% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #3 | 4.25%APY Observed: Oct 13, 2026 Branches: Yes | $20,000 | ||
| #4 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #5 | Up to4.15%APY That 4.15% is a promotional rate. The account advertises 4.05% after it ends. Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #6 | 4.14%APY Observed: Oct 13, 2026 | $1,000 | ||
| #7 | Up to4.14%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #8 | Up to4.06%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #9 | 4.04%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #10 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #11 | Up to4.00%APY Needs at least $15,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #13 | Up to3.90%APY Needs at least $100,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | 3.85%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #16 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #17 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.75%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #20 | 3.71%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.55%APY Observed: Oct 9, 2026 Branches: Yes | N/A | ||
| #23 | 3.54%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | Up to3.53%APY Needs at least $25,000 Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #25 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | Up to3.34%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #29 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #30 | 3.25%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | Up to3.22%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | Up to3.19%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #33 | 3.02%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 3.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.75%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.50%APY On balances of $10,000 to $250,000 · 2.25% below Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #37 | Up to2.37%APY On balances of $50,000 to $99,999 · 0.86% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.11%APY Observed: Oct 7, 2026 Branches: Yes | $20,000 | ||
| #39 | 2.01%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | Up to1.85%APY Needs at least $150,000.01 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #41 | Up to1.85%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #42 | 1.83%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #43 | 1.79%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | Up to1.71%APY Needs at least $75,000 Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #45 | Up to1.56%APY Needs at least $50,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #46 | 1.10%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #47 | 0.95%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #48 | Up to0.85%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 0.75%APY Observed: Oct 9, 2026 Branches: Yes | $1,000 | ||
| #50 | 0.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
N/A
Yes
Needs a linked account at the bank · 3.95% without the linked account
$2,500
Yes
$20,000
Yes
$1,000
Yes
That 4.15% is a promotional rate. The account advertises 4.05% after it ends.
$5,000
Yes
$1,000
N/A
Needs at least $100,000
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$5,000
Yes
Needs at least $15,000
$1,000
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$500
Yes
$10,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$1,000
Yes
Needs at least $25,000
$2,500
Yes
$500
Yes
$500
Yes
Needs at least $100,000
$1,000
Yes
$2,500
Yes
$500
Yes
Needs at least $10,000
$1,000
Yes
Needs at least $50,000
$500
Yes
Needs at least $50,000
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
On balances of $10,000 to $250,000 · 2.25% below
$1,000
Yes
On balances of $50,000 to $99,999 · 0.86% below
$1,000
Yes
$20,000
Yes
$1,000
Yes
Needs at least $150,000.01
$1,000
Yes
Needs at least $100,000
N/A
Yes
$500
Yes
$500
Yes
Needs at least $75,000
N/A
Yes
Needs at least $50,000
$1,000
Yes
$500
Yes
$500
Yes
Needs at least $25,000
$500
Yes
$1,000
Yes
$1,000
Yes
Nationally Available 18-Month CD Rates
The 8 highest 18-Month CD rates available nationwide, including in Iowa.
| Institution | Product / Term | APY |
|---|---|---|
| Bread Savings | 18-Month CD18 months | 4.75% |
| Popular Direct | 18 Months18 months | 4.65% |
| Barclays | 18-Month CD18 months | 4.50% |
| E*TRADE from Morgan Stanley | 18-Month Certificates of Deposit18 months | 4.40% |
| Marcus by Goldman Sachs | 18-Month High Yield CD18 months | 4.40% |
| Sallie Mae Bank | 18-Month Certificates of deposit CDs18 months | 4.40% |
| Salem Five Direct | 18-Month Special CD18 months | 4.36% |
| Rising Bank | Rising CD 18-Month18 months | 4.35% |