Bank · FDIC insured
Central State Bank Savings Rates
Top CarrotCentral State Bank’s best savings rate is 2.50% APY on $10,000, with its Freedom 250 Savings. Rates checked October 16, 2026.
How Central State Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Central State Bank has the most branches. $10,000, best rate first.
This bank’s best
Central State Bank
2.50%APY
- Minimum
- $50
- Earns on $10,000 a year
- $250
Freedom 250 Savings
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
Central State Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.50%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.50%
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 Central State Bank 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.
CSB Money Market
1.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum daily balance to obtain APY: $25,000.00 or below | 1.40% | $140 | Minimum daily balance to obtain APY: $25,000.00 or below |
| $25,000 – $100,000Minimum daily balance to obtain APY: $25,000.01 to $100,000.00 | 1.50% | — | Minimum daily balance to obtain APY: $25,000.01 to $100,000.00 |
| $100,000 – $250,000Minimum daily balance to obtain APY: $100,000.01 to $250,000.00 | 1.55% | — | Minimum daily balance to obtain APY: $100,000.01 to $250,000.00 |
| Over $250,000Minimum daily balance to obtain APY: $250,000.01 & Up | 1.65% | — | Minimum daily balance to obtain APY: $250,000.01 & Up |
| Over $500,000Minimum daily balance to obtain APY: $500,000.01 & Up | 3.25% | — | Minimum daily balance to obtain APY: $500,000.01 & Up |
Sources (2)
All captured Oct 5, 2026
Freedom 250 Savings
2.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to open is $50.00.Over $0 | 2.50% | $250 | Minimum balance to open is $50.00. |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.15%APY
Interest compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.15% | $15 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Senior Money Market
1.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum daily balance to obtain APY: $0.01Over $0 | 1.50% | $150 | Minimum daily balance to obtain APY: $0.01 |
Sources (1)
- centralstatebankia.com/personal/rates · 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.