Limited-time certificate special
4.58% APY* for 9 months.
Our 9-month certificate special locks in a fixed rate on $10,000 or more. At maturity it rolls into a 12-month regular certificate.**
Rate as of 10/21/2026. Penalty may apply for early withdrawal. See disclosures.
Or call 515-288-7225See all CD rates and terms ↓
Not a member yet? You can join and open this certificate at the same time.
Certificate (CD) rates
Rates as of 10/21/2026 and are subject to change without notice.
Certificates: $10,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 9 month special** | 4.50% | 4.58% |
| 12 month | 4.00% | 4.06% |
| 18 month | 3.75% | 3.80% |
| 24 month | 3.50% | 3.55% |
| 36 month2 | 3.25% | 3.25% |
Certificates and IRA certificates: $1,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 12 month | 1.25% | 1.26% |
| 18 month | 1.25% | 1.26% |
| 24 month | 1.75% | 1.76% |
| 36 month2 | 1.75% | 1.75% |
IRA certificates: $25,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 12 month | 1.75% | 1.76% |
| 18 month | 2.00% | 2.02% |
| 24 month | 2.50% | 2.52% |
| 36 month2 | 2.50% | 2.50% |
Before you open
Do I need to be a member?
Yes. Certificates are for Affinity members. Not a member yet? You can join and open this certificate at the same time. See who can join
What happens after I request this certificate?
A team member calls you within one business day to finish opening and help you fund it.
Is my money insured?
Yes. Federally insured by NCUA to at least $250,000.
How a certificate works
- Your rate is locked. The dividend rate and APY stay the same for the whole term.
- Dividends compound quarterly. On 36-month certificates they compound yearly.
- Pick a term you can leave alone. A penalty may apply if you withdraw early.
- At maturity, the special rolls into a 12-month regular certificate.
Saving for a child’s education? See the Invest In Me College Certificate.
Lock in the special while it lasts.
Request it online, book a time at a branch, or call us at 515-288-7225.
*Annual Percentage Yield. APY is accurate as of the last dividend declaration date. The dividend rate and APY are set forth above. Dividends are compounded quarterly. Rates are subject to change daily. The dividend rate and APY are fixed and will be in effect for the term of the account. Penalty may be imposed for early withdrawal. Any fees imposed on this account may reduce the earnings on the account. The minimum balance listed is required to earn the stated APY.
** CD special will roll into a 12-month regular certificate upon maturity. Limited time availability. Rates subject to change without notice.
2Dividends are compounded yearly.