Bank · FDIC insured
Charter Bank Savings Rates
Charter Bank’s best savings rate is 0.90% APY on $10,000, with its Charter Money Market. Rates checked October 16, 2026.
How Charter Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Charter Bank has the most branches. $10,000, best rate first.
This bank’s best
Charter Bank
0.90%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $90
Charter 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
Charter Bank savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.60%
- QualifiedQualified0.90%
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 Charter 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.
Charter Capital Account
1.30%APY
Earn higher rates with higher balances. $20 monthly service charge if minimum daily balance of $25,000 is not met. 6 free withdrawals or debits per month, $10 for each additional. Free e-Statements; $3 for Paper Statements. Capital Account is eligible for a 0.2% rate increase with Charter Complete Checking (limited to 1 account).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance < $100,000. $20 monthly service charge if minimum daily balance of $25,000 is not met. | 1.30% | $130 | Balance < $100,000. $20 monthly service charge if minimum daily balance of $25,000 is not met. |
| $100,000 – $249,999Balance $100,000- 249,999. $20 monthly service charge if minimum daily balance of $25,000 is not met. | 1.60% | — | Balance $100,000- 249,999. $20 monthly service charge if minimum daily balance of $25,000 is not met. |
| $250,000 and upBalance $250,000 and over. $20 monthly service charge if minimum daily balance of $25,000 is not met. | 1.90% | — | Balance $250,000 and over. $20 monthly service charge if minimum daily balance of $25,000 is not met. |
Sources (2)
All captured Oct 9, 2026
Charter Capital Account
1.30%APY
Premium, high balance account designed for long-term savings goals with monthly interest earnings. Eligible for a 0.2% rate increase with Charter Complete Checking (limited to 1 account). Limited to 6 free withdrawals per month; $10 fee imposed for each additional withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Tier for balance < $100,000. Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $20 monthly service charge waived if minimum daily balance of $25,000 is met. | 1.30% | $130 | Tier for balance < $100,000. Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $20 monthly service charge waived if minimum daily balance of $25,000 is met. |
| $100,000 – $249,999Tier for balance $100,000- 249,999. Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $20 monthly service charge waived if minimum daily balance of $25,000 is met. | 1.60% | — | Tier for balance $100,000- 249,999. Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $20 monthly service charge waived if minimum daily balance of $25,000 is met. |
| $250,000 and upTier for balance $250,000 and over. Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $20 monthly service charge waived if minimum daily balance of $25,000 is met. | 1.90% | — | Tier for balance $250,000 and over. Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $20 monthly service charge waived if minimum daily balance of $25,000 is met. |
Sources (2)
All captured Oct 9, 2026
Charter Money Market
Up to 0.90%APY
Earn higher returns with tiered interest rates. $10 monthly service charge if minimum daily balance of $2,500 is not met. Free e-Statements; $3 for Paper Statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance < $10,000. $10 monthly service charge if minimum daily balance of $2,500 is not met. | 0.75% | $75 | Balance < $10,000. $10 monthly service charge if minimum daily balance of $2,500 is not met. |
| $10,000 – $24,999Balance $10,000- 24,999. $10 monthly service charge if minimum daily balance of $2,500 is not met. | 0.90% | $90 | Balance $10,000- 24,999. $10 monthly service charge if minimum daily balance of $2,500 is not met. |
| $25,000 – $49,999Balance $25,000- 49,999. $10 monthly service charge if minimum daily balance of $2,500 is not met. | 1.10% | — | Balance $25,000- 49,999. $10 monthly service charge if minimum daily balance of $2,500 is not met. |
Sources (2)
All captured Oct 9, 2026
Charter Savings
0.65%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; rate and APY may change after opening. Fees could reduce earnings. $5 monthly service charge waived if minimum daily balance of $250 is met. Includes 6 free withdrawals or debits per month ($3 for each additional).Any balance | 0.65% | $65 | Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $5 monthly service charge waived if minimum daily balance of $250 is met. Includes 6 free withdrawals or debits per month ($3 for each additional). |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
Junior Charter Savings
0.65%APY
Designed for younger savers ages 0-16. Free gift for making a deposit the month of your birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; rate and APY may change after opening. Fees could reduce earnings. $5 monthly service charge waived if minimum daily balance of $50 is met. Includes 6 free withdrawals or debits per month ($3 for each additional).Any balance | 0.65% | $65 | Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $5 monthly service charge waived if minimum daily balance of $50 is met. Includes 6 free withdrawals or debits per month ($3 for each additional). |
Sources (2)
All captured Oct 9, 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.