Bank · FDIC insured
Clear Lake Bank and Trust Company Savings Rates
Clear Lake Bank and Trust Company’s best savings rate is 1.00% APY on $10,000, with its Premium Savings. Rates checked October 16, 2026.
How Clear Lake Bank and Trust Company’s savings rates compare
Compared with banks and credit unions near Mason City, IA, where Clear Lake Bank and Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Clear Lake Bank and Trust Company
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Premium Savings
Top rate
CENT Credit Union
3.55%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $355
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Clear Lake Bank and Trust Company savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.00%
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 Clear Lake Bank and Trust Company 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.
Premium Savings
1.00%APY
Tiered minimum balance required to open and maintain account. $10/month service charge if balance falls below $10,000; lowest tier balance must be met to avoid service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Daily balance below $10,000 incurs $10/month service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 0.00% | — | Daily balance below $10,000 incurs $10/month service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
| $10,000 – $49,999Daily balance $10,000 - $49,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 1.00% | $100 | Daily balance $10,000 - $49,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
| $50,000 – $99,999Daily balance $50,000 - $99,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 1.16% | — | Daily balance $50,000 - $99,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
| $100,000 – $249,999Daily balance $100,000 - $249,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 1.26% | — | Daily balance $100,000 - $249,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
| $250,000 – $999,999Daily balance $250,000 - $999,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 1.66% | — | Daily balance $250,000 - $999,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
| $1,000,000 – $1,999,999Daily balance $1,000,000 - $1,999,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 3.04% | — | Daily balance $1,000,000 - $1,999,999 avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
| $2,000,000 and upDaily balance $2,000,000+ avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. | 3.30% | — | Daily balance $2,000,000+ avoids $10 monthly service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice. |
Sources (2)
- clearlakebank.bank/personal-ba…d-spend/savings-accounts
- clearlakebank.bank/savings-account-interest-rates
All captured Oct 5, 2026
Simple Savings
0.10%APY
$5 monthly service charge if balance falls below $100 minimum balance required; service charge waived if minimum balance requirement met.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100 to avoid account fee. Interest accrues daily and credited bi-annually. $5 monthly service charge if balance falls below $100; waived if minimum balance requirement met.$100 and up | 0.10% | $10 | Daily balance of $100 to avoid account fee. Interest accrues daily and credited bi-annually. $5 monthly service charge if balance falls below $100; waived if minimum balance requirement met. |
Sources (2)
- clearlakebank.bank/personal-ba…d-spend/savings-accounts
- clearlakebank.bank/savings-account-interest-rates
All 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.