Highest 2-Year CD Rates in Iowa
65 Iowa-specific 24-Month CD products
The Iowa market
Iowa accounts
65
Institutions
58
Top Iowa APY
4.50% APY
Nationally: 4.75% APY
FDIC national average
1.61%
As of Sep 2026
65 24-month CDs are open only to Iowa residents, from 58 institutions. The highest advertised APY among them is 4.50%.
The highest nationally available rate is 4.75% APY, 25 basis points above the Iowa leader.
49 of the 65 Iowa 24-month CDs advertise more than the FDIC national average of 1.61% for 24-month CDs as of Sep 2026.
Iowa-Specific 24-Month CD Rates
24-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 | 4.50%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #2 | Up to4.50%APY Needs a linked account at the bank · 4.20% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #3 | 4.30%APY Observed: Oct 12, 2026 Branches: Yes | $5,000 | ||
| #4 | Up to4.25%APY Needs at least $225,000 Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #5 | Up to4.22%APY On balances of $50,000 to $245,000 · 4.06% below Observed: Oct 13, 2026 Branches: Yes | $2,000 | ||
| #6 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #8 | Up to4.14%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #9 | 4.04%APY Observed: Oct 13, 2026 | $1,000 | ||
| #10 | 4.04%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #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 | $20 | ||
| #13 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #16 | 3.75%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #17 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #18 | 3.60%APY Observed: Oct 9, 2026 Branches: Yes | N/A | ||
| #19 | Up to3.55%APY Needs at least $100,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #20 | Up to3.53%APY Needs at least $25,000 Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #21 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #23 | Up to3.32%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #25 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.03%APY Observed: Oct 7, 2026 | $1,000 | ||
| #27 | Up to3.03%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #31 | Up to2.98%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #33 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #34 | 2.57%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.52%APY Observed: Oct 7, 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 | 2.50%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.36%APY Observed: Oct 7, 2026 Branches: Yes | $20,000 | ||
| #39 | Up to2.35%APY On balances of $50,000 to $99,999 · 0.84% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 2.27%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #41 | 2.26%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 2.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #43 | Up to2.05%APY Needs at least $150,000.01 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | Up to2.00%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #46 | Up to1.86%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | Up to1.76%APY Needs at least $75,000 Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #48 | 1.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | Up to1.66%APY Needs at least $50,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #50 | 1.61%APY Observed: Oct 13, 2026 Branches: Yes | $500 |
$1,000
Yes
Needs a linked account at the bank · 4.20% without the linked account
$2,500
Yes
$5,000
Yes
Needs at least $225,000
N/A
Yes
On balances of $50,000 to $245,000 · 4.06% below
$2,000
Yes
$500
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
N/A
$1,000
Yes
Needs at least $15,000
$1,000
Yes
$20
Yes
$1,000
Yes
$500
Yes
$10,000
Yes
$500
Yes
$500
Yes
N/A
Yes
Needs at least $100,000
$1,000
Yes
Needs at least $25,000
$2,500
Yes
$500
Yes
$500
Yes
Needs at least $50,000
$500
Yes
$2,500
Yes
$1,000
Yes
$1,000
N/A
Needs at least $50,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
On balances of $10,000 to $250,000 · 2.25% below
$1,000
Yes
Needs at least $10,000
$1,000
Yes
$20,000
Yes
On balances of $50,000 to $99,999 · 0.84% below
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
Needs at least $150,000.01
$1,000
Yes
$500
Yes
Needs at least $100,000
N/A
Yes
Needs at least $25,000
$1,000
Yes
Needs at least $75,000
N/A
Yes
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$500
Yes
Nationally Available 24-Month CD Rates
The 8 highest 24-Month CD rates available nationwide, including in Iowa.
| Institution | Product / Term | APY |
|---|---|---|
| Barclays | 24-Month CD24 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |
| Happen Bank | 2-Year CD24 months | 4.60% |
| Bread Savings | 2-Year CD24 months | 4.45% |
| E*TRADE from Morgan Stanley | 24-Month Certificates of Deposit24 months | 4.40% |
| Marcus by Goldman Sachs | 2 Year CD24 months | 4.40% |
| Sallie Mae Bank | 24-Month Certificates of deposit CDs24 months | 4.40% |
| Vio Bank | 24-Month Online Certificate of Deposit CD24 months | 4.40% |