Bank · FDIC insured
Bank Plus Savings Rates
Bank Plus’s best savings rate is 0.49% APY on $10,000, with its T-Bill Money Market Deposit Account. Rates checked October 16, 2026.
How Bank Plus’s savings rates compare
Compared with banks and credit unions in Iowa, where Bank Plus has the most branches. $10,000, best rate first.
This bank’s best
Bank Plus
0.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $75
Free Kasasa Saver®
Top rate
Employees Credit Union
3.82%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Bank Plus savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.49%
- $100,000 balance$100,0000.61%
- QualifiedQualified0.75%
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 Plus 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.
T-Bill Money Market Deposit Account
Up to 0.49%APY
Interest based on Treasury Bill Auction Rates for average daily balances of $10,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.40% | $40 |
| $10,000 – $75,000 | 0.49% | $49 |
| $75,000 and up | 0.61% | — |
Sources (2)
All captured Oct 16, 2026
Money Market Deposit Account
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.30% | — |
| $2,000 and up | 0.35% | $35 |
Sources (2)
All captured Oct 16, 2026
Personal Savings Account
0.10%APY
A minimum balance fee of $5.00 will be imposed if the average monthly balance falls below $25.00. Earns interest on daily balance and receives quarterly statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum balance fee of $5.00 is imposed every month the average monthly balance falls below $25.00.Any balance | 0.10% | $10 | A minimum balance fee of $5.00 is imposed every month the average monthly balance falls below $25.00. |
Sources (2)
All captured Oct 16, 2026
Free Kasasa Saver®
0.00%APY on $10,000
Requires a linked Kasasa Cash or Kasasa Cash Back checking account to open and build savings automatically. Limit 1 account per social security number. No monthly maintenance fee.
| Part of the balance | Rate on that part |
|---|---|
| Over $50,000 | 0.50% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
- bankplusiowa.com/accounts/savings-accounts
- bankplusiowa.com/rates-and-resources/deposit-rates
- bankplusiowa.com/accounts/kasasa-saver
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.40%APY
Can be opened by those covered by a High Deductible Health Plan exclusively for paying out-of-pocket qualified medical expenses. Rates shared under IRA/HSA schedule.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $75,000 | 0.60% | — |
| Over $75,000 | 0.70% | — |
Sources (2)
All captured Oct 16, 2026
IRA and Roth IRA Accounts
0.40%APY
Tax-deferred retirement savings account (Traditional/Roth IRA). Rates shared under IRA/HSA schedule.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $75,000 | 0.60% | — |
| Over $75,000 | 0.70% | — |
Sources (2)
All captured Oct 16, 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.