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Certificate of Deposits (CDs) For Beginners - The Ultimate Guide12 MONTH CERTIFICATE � % APY* � 18 MONTH CERTIFICATE � % APY* � 24 MONTH CERTIFICATE � % APY*. Des Moines, Iowa CD Rates ; Rate History: % > % > % > % > % ; Bank of America, National Association. %. $, Found 83 certificate of deposit rates In West Des Moines, Iowa change ; First National Bank. 5th St West Des Moines, IA % ; Iowa State Bank.