Bank · FDIC insured
Community State Bank Savings Rates
Community State Bank’s best savings rate is 0.44% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Community State Bank’s savings rates compare
Compared with banks and credit unions near Spencer, IA, where Community State Bank has the most branches. $10,000, best rate first.
This bank’s best
Community State Bank
0.44%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $44
Money Market Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Telco Triad Community Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Community State Bank savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.44%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.44%
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 Community 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.
Money Market Savings
0.44%APY
Contact employee for terms and account fees. Rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $7,500APY applies to balance less than $7,500. | 0.29% | — | APY applies to balance less than $7,500. |
| $7,500 – $15,000APY applies to balance $7,500–$14,999.99. | 0.44% | $44 | APY applies to balance $7,500–$14,999.99. |
| $15,000 – $30,000APY applies to balance $15,000–$29,999.99. | 0.57% | — | APY applies to balance $15,000–$29,999.99. |
| $30,000 – $60,000APY applies to balance $30,000–$59,999.99. | 0.59% | — | APY applies to balance $30,000–$59,999.99. |
| $60,000 – $250,000APY applies to balance $60,000–$249,999.99. | 0.65% | — | APY applies to balance $60,000–$249,999.99. |
| $250,000 and upAPY applies to balance $250,000 and above. | 1.06% | — | APY applies to balance $250,000 and above. |
Sources (1)
- ecommunitybank.org/uploads/use…nts/July%2031%202026.pdf · captured Sep 18, 2026
Savings
0.35%APY
Minimum balance to avoid monthly fee is $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to avoid monthly fee is $100. Minimum deposit of $100 to open.Any balance | 0.35% | $35 | Minimum balance to avoid monthly fee is $100. Minimum deposit of $100 to open. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Variable IRA Savings
1.10%APY
Rates may vary after account is open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may vary after account is open.Any balance | 1.10% | $110 | Rates may vary after account is open. |
Sources (2)
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.