Bank · FDIC insured
City State Bank Savings Rates
Top CarrotCity State Bank’s best savings rate is 1.75% APY on $10,000, with its Advantage Money Market. Rates checked October 16, 2026.
How City State Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where City State Bank has the most branches. $10,000, best rate first.
This bank’s best
City State Bank
1.75%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $175
Advantage 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
City State Bank savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0002.20%
- QualifiedQualified1.75%
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 City 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.
Advantage Money Market
1.75%APY
Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 1.00% | — | Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
| $10,000 – $100,000Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 1.75% | $175 | Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
| $100,000 – $250,000Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 2.20% | — | Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
| $250,000 and upRequires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 3.05% | — | Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
Sources (1)
- citystatebank.com/uploads/user…s/Deposit_Rate_Sheet.pdf · captured Oct 16, 2026
Money Market
1.25%APY
Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 1.00% | — | Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
| $2,500 – $25,000Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 1.25% | $125 | Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
| $25,000 – $100,000Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 1.40% | — | Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
| $100,000 and upRates are variable and subject to change without notice after account is opened. Fees may reduce earnings. | 1.60% | — | Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings. |
Sources (1)
- citystatebank.com/uploads/user…s/Deposit_Rate_Sheet.pdf · captured Oct 16, 2026
Regular Savings
1.00%APY
Rates are variable and subject to change without notice after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10 maintenance fee is applied per statement cycle if minimum daily balance falls below $100. Fees may reduce earnings.Any balance | 1.00% | $100 | $10 maintenance fee is applied per statement cycle if minimum daily balance falls below $100. Fees may reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
1.20%APY
Rates are variable and subject to change without notice after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Fees may reduce earnings. | 1.00% | — | Fees may reduce earnings. |
| $2,500 and upFees may reduce earnings. | 1.20% | $120 | Fees may reduce earnings. |
Sources (1)
- citystatebank.com/uploads/user…s/Deposit_Rate_Sheet.pdf · captured Oct 16, 2026
Student Savings
1.00%APY
For individuals under 21 years of age. Rates are variable and subject to change without notice after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required. Fees may reduce earnings.Any balance | 1.00% | $100 | No minimum daily balance required. Fees may reduce earnings. |
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.