Highest 3-Year CD Rates in Iowa
60 Iowa-specific 36-Month CD products
The Iowa market
Iowa accounts
60
Institutions
53
Top Iowa APY
4.60% APY
Nationally: 4.85% APY
FDIC national average
1.36%
As of Sep 2026
60 36-month CDs are open only to Iowa residents, from 53 institutions. The highest advertised APY among them is 4.60%.
The highest nationally available rate is 4.85% APY, 25 basis points above the Iowa leader.
44 of the 60 Iowa 36-month CDs advertise more than the FDIC national average of 1.36% for 36-month CDs as of Sep 2026.
Iowa-Specific 36-Month CD Rates
36-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 | Up to4.60%APY Needs a linked account at the bank · 4.10% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.50%APY Needs at least $10,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | Up to4.04%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.04%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #5 | 3.91%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #6 | 3.90%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.89%APY Observed: Oct 13, 2026 | $1,000 | ||
| #8 | 3.81%APY Observed: Oct 12, 2026 Branches: Yes | $3,000 | ||
| #9 | Up to3.80%APY Needs at least $15,000 Observed: Oct 7, 2026 Branches: Yes | $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 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #12 | 3.70%APY Observed: Oct 9, 2026 Branches: Yes | N/A | ||
| #13 | 3.63%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #14 | Up to3.55%APY Needs at least $100,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #15 | Up to3.55%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #16 | Up to3.53%APY Needs at least $25,000 Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #17 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #18 | Up to3.43%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #20 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.03%APY Observed: Oct 7, 2026 | $1,000 | ||
| #23 | 3.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #24 | Up to2.82%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #25 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #26 | 2.68%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #27 | 2.50%APY On balances of $10,000 to $250,000 · 2.25% below Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #28 | 2.50%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | Up to2.37%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #30 | 2.36%APY Observed: Oct 7, 2026 Branches: Yes | $20,000 | ||
| #31 | Up to2.31%APY On balances of $50,000 to $99,999 · 0.80% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | Up to2.27%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 2.26%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 2.26%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.12%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | Up to2.05%APY Needs at least $150,000.01 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | Up to2.05%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #38 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 2.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | Up to1.96%APY Needs at least $75,000 Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #41 | Up to1.66%APY Needs at least $50,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #42 | 1.60%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #43 | 1.55%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #44 | 1.49%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #45 | 1.31%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 1.27%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #47 | 1.12%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #48 | Up to1.10%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 1.10%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #50 | 1.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
Needs a linked account at the bank · 4.10% without the linked account
$2,500
Yes
Needs at least $10,000
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
N/A
$3,000
Yes
Needs at least $15,000
$1,000
Yes
On balances of $50,000 to $245,000 · 3.60% below
$2,000
Yes
$10,000
Yes
N/A
Yes
$10,000
Yes
Needs at least $100,000
$1,000
Yes
Needs at least $50,000
$1,000
Yes
Needs at least $25,000
$2,500
Yes
$500
Yes
Needs at least $50,000
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
N/A
$1,000
Yes
Needs at least $1,000,000
N/A
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
Needs at least $100,000
$1,000
Yes
$20,000
Yes
On balances of $50,000 to $99,999 · 0.80% below
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $150,000.01
$1,000
Yes
Needs at least $100,000
N/A
Yes
$1,000
Yes
$1,000
Yes
Needs at least $75,000
N/A
Yes
Needs at least $50,000
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
Needs at least $25,000
$500
Yes
$500
Yes
$1,000
Yes
Nationally Available 36-Month CD Rates
The 8 highest 36-Month CD rates available nationwide, including in Iowa.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 36 Months36 months | 4.85% |
| Barclays | 36-Month CD36 months | 4.50% |
| Bread Savings | 3-Year CD36 months | 4.50% |
| Sallie Mae Bank | 36-Month Certificates of deposit CDs36 months | 4.45% |
| E*TRADE from Morgan Stanley | 36-Month Certificates of Deposit36 months | 4.40% |
| Marcus by Goldman Sachs | 3 Year CD36 months | 4.40% |
| Synchrony Bank | 36 Month CD36 months | 4.40% |
| KS StateBank | 3 Year CD36 months | 4.35% |