Bank · FDIC insured
Chelsea Savings Bank Savings Rates
Chelsea Savings Bank’s best savings rate is 0.50% APY on $10,000, with its HIFI. Rates checked October 16, 2026.
How Chelsea Savings Bank’s savings rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where Chelsea Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Chelsea Savings Bank
0.50%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
HIFI
Top rate
Collins Community Credit Union
3.05%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
2nd-highest rate
Dupaco Community Credit Union
2.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $225
Chelsea Savings Bank savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.50%
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 Chelsea Savings 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.
Prime Money Market
Up to 2.27%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20,000 – $75,000 | 0.50% | — |
| $75,000 – $150,000 | 0.75% | — |
| $150,000 – $250,000 | 1.26% | — |
| Over $250,000 | 2.27% | — |
Sources (1)
- chelseasavingsbank.com/persona…e-services/current-rates · captured Sep 18, 2026
HIFI
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $19,999 | 0.50% | $50 |
| $20,000 and up | 0.75% | — |
Sources (1)
- chelseasavingsbank.com/persona…e-services/current-rates · captured Sep 18, 2026
Regular Savings
0.50%APY
Free online Banking, Free Mobile Banking, Free eStatements. Available for Personal or Business.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintenance fee of $10.00 may apply per statement cycle if the average daily collected balance falls below $50.00.Any balance | 0.50% | $50 | Maintenance fee of $10.00 may apply per statement cycle if the average daily collected balance falls below $50.00. |
Sources (2)
- chelseasavingsbank.com/persona…e-services/current-rates
- chelseasavingsbank.com/persona…ccounts/personal-savings
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
2.52%APY
Free online Banking, Free Mobile Banking, Free eStatements. Available for Personal or Business. Opening deposit set by deposit election.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintenance fee of $10.00 may apply per statement cycle if the average daily balance falls below $25.00. Opening balance is set by deposit election (N/A on rates schedule).Any balance | 2.52% | $252 | Maintenance fee of $10.00 may apply per statement cycle if the average daily balance falls below $25.00. Opening balance is set by deposit election (N/A on rates schedule). |
Sources (2)
- chelseasavingsbank.com/persona…e-services/current-rates
- chelseasavingsbank.com/persona…ccounts/personal-savings
All captured Sep 18, 2026
IRA Savings
2.52%APY
Free online Banking, Free Mobile Banking, Free eStatements, Free Internet Banking. Personal Only. Traditional and Roth IRAs available. Quarterly statement; interest compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA withdrawal fee of $25.00 may be charged for each withdrawal made within the first year the account is open.Any balance | 2.52% | $252 | A withdrawal fee of $25.00 may be charged for each withdrawal made within the first year the account is open. |
Health Savings Account (HSA)
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $49,999 | 0.50% | $50 |
| $50,000 and up | 1.00% | — |
Sources (1)
- chelseasavingsbank.com/persona…e-services/current-rates · captured Sep 18, 2026
Child Savings
0.50%APY
Free online Banking, Free Mobile Banking, Free eStatements. Personal Only.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
- chelseasavingsbank.com/persona…e-services/current-rates
- chelseasavingsbank.com/persona…ccounts/personal-savings
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.