Bank · FDIC insured
Earlham Bank Savings Rates
Top CarrotEarlham Bank’s best savings rate is 3.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Earlham Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Earlham Bank has the most branches. $10,000, best rate first.
This bank’s best
Earlham Bank
3.25%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
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
Earlham Bank savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0001.85%
- $10,000 balance$10,0003.25%
- $100,000 balance$100,0003.75%
- QualifiedQualified3.25%
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 Earlham 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
3.25%APY
$15.00 maintenance fee will apply if the account falls below $2,500.00 any day of the statement cycle. Limited transactions account: 6 transfers per cycle, of which 6 may be by check. Regardless of balance, a $5.00 per debit fee will be charged for each transaction in excess of transaction limitations. Interest paid on the entire account balance. Fees subject to state and local option sales tax.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 3.00% | — |
| $10,000 – $50,000 | 3.25% | $325 |
| $50,000 – $100,000 | 3.50% | — |
| $100,000 and up | 3.75% | — |
Sources (1)
- earlhambank.com/personal-banki…rsonal-checking-accounts · captured Oct 5, 2026
Evantage Savings
1.85%APY
Must have EVANTAGE Solutions Checking to qualify.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have EVANTAGE Solutions Checking to qualify. $5.00 maintenance fee if the account balance falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.Any balance | 1.85% | $185 | Must have EVANTAGE Solutions Checking to qualify. $5.00 maintenance fee if the account balance falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance. |
Sources (1)
- earlhambank.com/personal-banki…ersonal-savings-accounts · captured Oct 16, 2026
Regular Savings
1.85%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$1.00 maintenance fee if the account falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.Any balance | 1.85% | $185 | $1.00 maintenance fee if the account falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance. |
Sources (1)
- earlhambank.com/personal-banki…ersonal-savings-accounts · captured Oct 16, 2026
Special-purpose accounts
Coverdell Education Savings Account (CESA)
3.80%APY · 1 term
IRS and bank penalties may be imposed for early withdrawals. Auto renew: Yes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36–60 monthsIRS and bank penalties may be imposed for early withdrawals. Auto renew: Yes. Interest paid quarterly | 3.80% | $1,184 |
Sources (1)
- earlhambank.com/personal-banki…ucation-savings-accounts · captured Oct 16, 2026
Age 12 & Under Savings
1.85%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$1.00 maintenance fee if the account falls below $10.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.Any balance | 1.85% | $185 | $1.00 maintenance fee if the account falls below $10.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance. |
Sources (1)
- earlhambank.com/personal-banki…ersonal-savings-accounts · 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.