Bank · FDIC insured
Bank Iowa Savings Rates
Bank Iowa’s best savings rate is 0.45% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Bank Iowa’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Bank Iowa has the most branches. $10,000, best rate first.
This bank’s best
Bank Iowa
0.45%APY
- Minimum
- $10
- Earns on $10,000 a year
- $45
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Bank Iowa savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0001.09%
- QualifiedQualified0.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank Iowa ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premier Money Market
0.43%APY
Minimum balance to open account is $10.00. $15 monthly service charge if balance falls below $25,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum balance to obtain APY is $0.01. $15 monthly service charge if balance falls below $25,000. | 0.43% | $43 | Minimum balance to obtain APY is $0.01. $15 monthly service charge if balance falls below $25,000. |
| $25,000 – $100,000Minimum balance to obtain APY is $25,000. $15 monthly service charge if balance falls below $25,000. | 0.73% | — | Minimum balance to obtain APY is $25,000. $15 monthly service charge if balance falls below $25,000. |
| $100,000 – $250,000Minimum balance to obtain APY is $100,000. $15 monthly service charge if balance falls below $25,000. | 1.09% | — | Minimum balance to obtain APY is $100,000. $15 monthly service charge if balance falls below $25,000. |
| $250,000 – $1,000,000Minimum balance to obtain APY is $250,000. $15 monthly service charge if balance falls below $25,000. | 1.20% | — | Minimum balance to obtain APY is $250,000. $15 monthly service charge if balance falls below $25,000. |
| $1,000,000 and upMinimum balance to obtain APY is $1,000,000. $15 monthly service charge if balance falls below $25,000. | 1.37% | — | Minimum balance to obtain APY is $1,000,000. $15 monthly service charge if balance falls below $25,000. |
Sources (3)
- bankiowa.bank/banking/personal/savings-accounts
- bankiowa.bank/investing/personal/money-market-accounts
- bankiowa.bank/investing/view-rates
All captured Oct 5, 2026
Money Market
0.45%APY
Minimum balance to open account is $10.00. Avoid a $7 monthly service charge by maintaining a balance of $1,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum balance to obtain APY is $0.01. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. | 0.31% | — | Minimum balance to obtain APY is $0.01. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. |
| $1,000 – $50,000Minimum balance to obtain APY is $1,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. | 0.45% | $45 | Minimum balance to obtain APY is $1,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. |
| $50,000 – $100,000Minimum balance to obtain APY is $50,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. | 0.65% | — | Minimum balance to obtain APY is $50,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. |
| $100,000 – $500,000Minimum balance to obtain APY is $100,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. | 0.81% | — | Minimum balance to obtain APY is $100,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. |
| $500,000 and upMinimum balance to obtain APY is $500,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. | 1.10% | — | Minimum balance to obtain APY is $500,000. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more. |
Sources (3)
- bankiowa.bank/banking/personal/savings-accounts
- bankiowa.bank/investing/personal/money-market-accounts
- bankiowa.bank/investing/view-rates
All captured Oct 5, 2026
Regular Savings
0.07%APY
$2 monthly service fee waived with a balance of $100 or more. Includes 15 free transfers per month ($10 excessive withdrawal charge per transfer over 15).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Interest rate and APY are variable and subject to change at any time. $0.01 minimum balance to obtain APY. | 0.04% | — | Interest rate and APY are variable and subject to change at any time. $0.01 minimum balance to obtain APY. |
| $1,000 and upInterest rate and APY are variable and subject to change at any time. $1,000 minimum balance to obtain APY. | 0.07% | $7 | Interest rate and APY are variable and subject to change at any time. $1,000 minimum balance to obtain APY. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
1.10%APY
Must be under age 65, covered under an HSA-qualified HDHP, not covered under another health plan or enrolled in Medicare, and not claimed as a dependent on another person's tax return. Printed statements available for a $2 monthly service charge (free eDocuments).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Interest rate and APY are variable and subject to change at any time. $0.01 minimum balance to obtain APY. | 0.11% | — | Interest rate and APY are variable and subject to change at any time. $0.01 minimum balance to obtain APY. |
| $1,000 – $10,000Interest rate and APY are variable and subject to change at any time. $1,000 minimum balance to obtain APY. | 0.12% | — | Interest rate and APY are variable and subject to change at any time. $1,000 minimum balance to obtain APY. |
| $10,000 – $20,000Interest rate and APY are variable and subject to change at any time. $10,000 minimum balance to obtain APY. | 1.10% | $110 | Interest rate and APY are variable and subject to change at any time. $10,000 minimum balance to obtain APY. |
| $20,000 and upInterest rate and APY are variable and subject to change at any time. $20,000 minimum balance to obtain APY. | 2.00% | — | Interest rate and APY are variable and subject to change at any time. $20,000 minimum balance to obtain APY. |
Sources (2)
All captured Oct 5, 2026
Young Savers Savings
0.11%APY
Designed for kids and teens 18 and under. Includes 15 free transfers/debit transactions per month ($10 excessive withdrawal charge per transaction over 15). No minimum balance required. Includes complimentary identity theft services.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Interest rate and APY are variable and subject to change at any time. $0.01 minimum balance to obtain APY. | 0.11% | — | Interest rate and APY are variable and subject to change at any time. $0.01 minimum balance to obtain APY. |
| $1,000 and upInterest rate and APY are variable and subject to change at any time. $1,000 minimum balance to obtain APY. | 0.11% | $11 | Interest rate and APY are variable and subject to change at any time. $1,000 minimum balance to obtain APY. |
Sources (3)
- bankiowa.bank/banking/personal/savings-accounts
- bankiowa.bank/banking/personal…-savers-savings-accounts
- bankiowa.bank/investing/view-rates
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.