Credit union · NCUA insured
Des Moines Metro Credit Union Savings Rates
Top CarrotDes Moines Metro Credit Union’s best savings rate is 0.75% APY on $10,000, with its Super Bonus. Rates checked October 16, 2026.
How Des Moines Metro Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Des Moines Metro Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Des Moines Metro Credit Union
0.75%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $75
Super Bonus
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
Des Moines Metro Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.11%
- QualifiedQualified0.75%
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 Des Moines Metro Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Bonus
0.75%APY
Requires $5,000 to open and a $5,000 minimum balance to earn APY. Dividends are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $24,999Super Bonus – Tier 1. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. | 0.75% | $75 | Super Bonus – Tier 1. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. |
| $25,000 – $49,999Super Bonus – Tier 2. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. | 1.00% | — | Super Bonus – Tier 2. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. |
| $50,000 – $499,999Super Bonus – Tier 3. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. | 1.11% | — | Super Bonus – Tier 3. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. |
| $500,000 and upSuper Bonus – Tier 4. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. | 4.07% | — | Super Bonus – Tier 4. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly. |
Regular Shares
0.05%APY
Basic savings account that requires a minimum $25 to open, making you an owner/member of the credit union. Earns APY on balances $100 and over. Dividends compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTo earn APY, minimum balance must be maintained in the account every day. Dividends compounded monthly.$100 and up | 0.05% | $5 | To earn APY, minimum balance must be maintained in the account every day. Dividends compounded monthly. |
Special-purpose accounts
IRA Shares
0.85%APY
Offers Traditional, Roth, and Educational IRAs. Dividends are compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTo earn APY, minimum balance must be maintained in the account every day. Dividends compounded quarterly.$100 and up | 0.85% | $85 | To earn APY, minimum balance must be maintained in the account every day. Dividends compounded quarterly. |
Kirby Kangaroo Shares
0.05%APY
For kids 12 and under. Requires a $5 deposit to open. Earns dividends on balances of $25 and over. Dividends are compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upFor children 12 and under. To earn APY, minimum balance must be maintained in the account every day. Dividends compounded monthly.$25 and up | 0.05% | $5 | For children 12 and under. To earn APY, minimum balance must be maintained in the account every day. Dividends compounded monthly. |
Sources (2)
All captured Sep 18, 2026
Who can join Des Moines Metro Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Polk and surrounding counties is eligible to join Des Moines Metro Credit Union.
Cost to join
- The minimum deposit required to open and maintain a savings account is $25, though no opening balance may be required with direct deposit or payroll deduction.
Membership information collected October 4, 2026.