Bank · FDIC insured
Exchange State Bank Savings Rates
Exchange State Bank’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Exchange State Bank’s savings rates compare
Compared with banks and credit unions near Ames, IA, where Exchange State Bank has the most branches. $10,000, best rate first.
This bank’s best
Exchange State Bank
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Central State Bank
2.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $250
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Exchange State Bank savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.50%
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 Exchange 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 Account
0.50%APY
A minimum balance fee of $5.00 will be imposed every month if the average daily balance for the month falls below $1,000. Withdrawals limited to 6 per month; excess withdrawals/transfers are $1.00 per item.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 0.50% | — | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
| $2,500 – $10,000Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 0.50% | $50 | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
| $10,000 – $25,000Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 0.50% | $50 | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
| $25,000 – $50,000Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 0.60% | — | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
| $50,000 – $100,000Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 0.60% | — | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
| $100,000 – $250,000Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 0.80% | — | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
| $250,000 and upMonthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. | 1.00% | — | Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item. |
Sources (3)
- esb1.com/accounts-page
- esb1.com/rates/checking-and-savings-rates
- esb1.com/accounts-page/money-market-account
All captured Oct 5, 2026
Regular Savings
0.15%APY
Withdrawals limited to 6 per month. A minimum balance fee of $5.00 will be imposed every quarter if the average daily balance for the month falls below $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance fee of $5.00 per quarter if average daily balance falls below $100. Withdrawals limited to 6 per month; $0.50 per item fee for withdrawals in excess of 12 per quarter.$100 and up | 0.15% | $15 | Minimum balance fee of $5.00 per quarter if average daily balance falls below $100. Withdrawals limited to 6 per month; $0.50 per item fee for withdrawals in excess of 12 per quarter. |
Sources (3)
- esb1.com/accounts-page
- esb1.com/accounts-page/regular-savings
- esb1.com/rates/checking-and-savings-rates
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts
0.65%APY
Tax-deferred savings program. Withdrawals limited by IRS regulations. A minimum balance fee of $3.00 will be imposed every quarter if the average daily balance for the month falls below $20.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and upWithdrawals limited by IRS regulations. Minimum balance fee of $3.00 per quarter if average daily balance falls below $20; $0.50 per item fee for withdrawals in excess of 12 per quarter.$20 and up | 0.65% | $65 | Withdrawals limited by IRS regulations. Minimum balance fee of $3.00 per quarter if average daily balance falls below $20; $0.50 per item fee for withdrawals in excess of 12 per quarter. |
Sources (3)
- esb1.com/accounts-page
- esb1.com/rates/checking-and-savings-rates
- esb1.com/accounts-page/individual-retirement-accounts
All captured Sep 18, 2026
Safari Savings Club Account
0.20%APY
Eligible for kids from kindergarten through sixth grade. Withdrawals limited to 6 per month. A minimum balance fee of $1.00 will be imposed every quarter if the average daily balance for the month falls below $10.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFor kids kindergarten through 6th grade. Minimum balance fee of $1.00 per quarter if average daily balance falls below $10. Withdrawals limited to 6 per month; $0.50 per item fee for withdrawals in excess of 12 per quarter.$10 and up | 0.20% | $20 | For kids kindergarten through 6th grade. Minimum balance fee of $1.00 per quarter if average daily balance falls below $10. Withdrawals limited to 6 per month; $0.50 per item fee for withdrawals in excess of 12 per quarter. |
Sources (3)
- esb1.com/accounts-page
- esb1.com/accounts-page/safari-savings-club-account
- esb1.com/rates/checking-and-savings-rates
All captured Sep 18, 2026
HSA
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier for balances less than $2,500. | 0.10% | — | Tier for balances less than $2,500. |
| $2,500 and upTier for balances greater than $2,500. | 0.15% | $15 | Tier for balances greater than $2,500. |
Sources (1)
- esb1.com/rates/checking-and-savings-rates · 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.