Bank · FDIC insured
Boone Bank & Trust Co. Savings Rates
Boone Bank & Trust Co.’s best savings rate is 0.30% APY on $10,000, with its HiFi Money Market. Rates checked October 16, 2026.
How Boone Bank & Trust Co.’s savings rates compare
Compared with banks and credit unions near Ames, IA, where Boone Bank & Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Boone Bank & Trust Co.
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
HiFi Money Market
Top rate
Central State Bank
2.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $250
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Boone Bank & Trust Co. savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.30%
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 Boone Bank & Trust Co. 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.
HiFi Money Market
Up to 0.30%APY
No monthly service fee assessed by maintaining a $2,500 minimum balance; if balance falls below $2,500 during a statement cycle, a $10 service fee will be assessed. Limited check writing: after three third party transactions, a $5 fee will be assessed per transaction.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Monthly service fee waived with $2,500 minimum balance. | 0.25% | $25 | Monthly service fee waived with $2,500 minimum balance. |
| $2,500 and upMonthly service fee waived with $2,500 minimum balance. | 0.30% | $30 | Monthly service fee waived with $2,500 minimum balance. |
| $25,000 and upMonthly service fee waived with $2,500 minimum balance. | 0.45% | — | Monthly service fee waived with $2,500 minimum balance. |
| $50,000 and upMonthly service fee waived with $2,500 minimum balance. | 0.65% | — | Monthly service fee waived with $2,500 minimum balance. |
| $100,000 and upMonthly service fee waived with $2,500 minimum balance. | 0.75% | — | Monthly service fee waived with $2,500 minimum balance. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
2.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 2.01% | $201 |
| $25,000 – $99,999 | 2.11% | — |
| $100,000 and up | 2.26% | — |
Sources (3)
- boonebankiowa.com/personal/savings
- boonebankiowa.com/personal/savings/ira
- boonebankiowa.com/deposit-rates
All captured Sep 18, 2026
Savings
0.25%APY
Children under 18 are exempt from all fees and the required opening deposit is reduced to $50.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Competitive interest earned on balances of $100 or more. No monthly service fee assessed by maintaining a $100 balance (a $5 service fee is assessed if balance falls below $100 during a statement cycle).Over $0 | 0.25% | $25 | Competitive interest earned on balances of $100 or more. No monthly service fee assessed by maintaining a $100 balance (a $5 service fee is assessed if balance falls below $100 during a statement cycle). |
Sources (3)
- boonebankiowa.com/personal/savings
- boonebankiowa.com/personal/savings/regular-savings
- boonebankiowa.com/deposit-rates
All captured Sep 18, 2026
HSA
0.20%APY
Pair with a qualifying High-Deductible Health Plan (HDHP) to save pre-tax money for eligible healthcare expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Sources (3)
- boonebankiowa.com/personal/savings
- boonebankiowa.com/personal/sav…/health-savings-accounts
- boonebankiowa.com/deposit-rates
All captured Sep 18, 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.