Highest 6-Month CD Rates in Iowa
68 Iowa-specific 6-Month CD products
The Iowa market
Iowa accounts
68
Institutions
58
Top Iowa APY
4.35% APY
Nationally: 4.35% APY
FDIC national average
1.41%
As of Sep 2026
68 6-month CDs are open only to Iowa residents, from 58 institutions. The highest advertised APY among them is 4.35%.
The highest nationally available rate is 4.35% APY, the same as the Iowa leader.
46 of the 68 Iowa 6-month CDs advertise more than the FDIC national average of 1.41% for 6-month CDs as of Sep 2026.
Iowa-Specific 6-Month CD Rates
6-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 | 4.35%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #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 to4.30%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.04%APY Observed: Oct 13, 2026 | $1,000 | ||
| #5 | Up to4.00%APY Needs at least $25,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #6 | 4.00%APY Needs at least $10,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | Up to4.00%APY Needs at least $125,000 Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #8 | 3.90%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #9 | Up to3.89%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #10 | Up to3.89%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.79%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #13 | 3.75%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #14 | 3.72%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | Up to3.68%APY Needs at least $25,000 Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #16 | 3.66%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #17 | Up to3.65%APY Needs at least $15,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.65%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #20 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #21 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #23 | 3.53%APY Observed: Oct 7, 2026 | $1,000 | ||
| #24 | 3.53%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #25 | Up to3.50%APY Needs a linked account at the bank · 3.20% without the linked account Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #26 | 3.49%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #27 | 3.44%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #28 | 3.40%APY Observed: Oct 9, 2026 Branches: Yes | N/A | ||
| #29 | Up to3.33%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.29%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #31 | Up to3.02%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #33 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #34 | 2.50%APY On balances of $10,000 to $250,000 · 2.25% below Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | Up to2.47%APY On balances of $50,000 to $99,999 · 0.95% below Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | 2.04%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #39 | 2.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #40 | 2.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #41 | Up to1.96%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #42 | 1.61%APY Observed: Oct 7, 2026 Branches: Yes | $20,000 | ||
| #43 | Up to1.61%APY Needs at least $75,000 Observed: Oct 3, 2026 Branches: Yes | N/A | ||
| #44 | Up to1.60%APY Needs at least $150,000.01 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 1.54%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #46 | 1.51%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | Up to1.41%APY Needs at least $50,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #48 | 1.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | Up to1.25%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A |
$100,000
Yes
On balances of $50,000 to $245,000 · 4.22% below
$2,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
N/A
Needs at least $25,000
$1,000
Yes
Needs at least $10,000
$1,000
Yes
Needs at least $125,000
N/A
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$500
Yes
$5,000
Yes
$500
Yes
Needs at least $25,000
$2,500
Yes
$1,000
Yes
Needs at least $15,000
$1,000
Yes
$1,000
Yes
$10,000
Yes
N/A
Yes
$1,000
Yes
$2,500
Yes
$1,000
N/A
$1,000
Yes
Needs a linked account at the bank · 3.20% without the linked account
$2,500
Yes
$1,000
Yes
$500
Yes
N/A
Yes
Needs at least $50,000
$1,000
Yes
N/A
Yes
Needs at least $50,000
$500
Yes
$2,500
Yes
$2,500
Yes
On balances of $10,000 to $250,000 · 2.25% below
$1,000
Yes
$1,000
Yes
On balances of $50,000 to $99,999 · 0.95% below
$1,000
Yes
$1,000
Yes
$10,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $1,000,000
N/A
Yes
$20,000
Yes
Needs at least $75,000
N/A
Yes
Needs at least $150,000.01
$1,000
Yes
$500
Yes
$1,000
Yes
Needs at least $50,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $100,000
N/A
Yes
Nationally Available 6-Month CD Rates
The 8 highest 6-Month CD rates available nationwide, including in Iowa.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 6 Months6 months | 4.35% |
| Climate First Bank | 6-Month CD6 months | 4.33% |
| Happen Bank | 6-Month CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Ivy Bank | 6-Month High-Yield Certificate of Deposit6 months | 4.25% |
| E*TRADE from Morgan Stanley | 6-Month Certificates of Deposit6 months | 4.20% |
| Live Oak Bank | 6-Month Personal CD6 months | 4.20% |
| Colorado Federal Savings Bank | 6-Month CD6 months | 4.15% |