Bank · FDIC insured
Iowa State Bank Savings Rates
Top CarrotIowa State Bank’s best savings rate is 1.46% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Iowa State Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where Iowa State Bank has the most branches. $10,000, best rate first.
This bank’s best
Iowa State Bank
1.46%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $146
Money Market Account
Top rate
Employees Credit Union
3.82%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Iowa State Bank savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0001.46%
- $100,000 balance$100,0002.85%
- QualifiedQualified1.46%
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 Iowa 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
1.46%APY
Keep balance above $1,000.00 to avoid a $10.00 monthly fee. Up to 6 transfers per 4-week or similar period (in-person, message, mail, or ATM transfers are unlimited). Interest rates are variable and may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. | 0.65% | — | Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. |
| $10,000 – $50,000Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. | 1.46% | $146 | Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. |
| $50,000 – $100,000Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. | 2.08% | — | Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. |
| $100,000 – $250,000Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. | 2.85% | — | Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. |
| $250,000 and upCompound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. | 3.10% | — | Compound frequency monthly. Effective thru 10/31/2026. $10.00 monthly fee avoided with balance above $1,000.00. |
Legacy Savings
Up to 1.00%APY
Links to free Legacy Checking or Legacy Rewards Checking. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies on balances up to $25,000 when qualification requirements are met in linked Legacy Checking or Legacy Rewards Checking (at least 15 debit card purchases, enrolled in eStatements, and at least one direct deposit or ACH payment per monthly qualification cycle). Compound frequency monthly. | 1.00% | $100 | Applies on balances up to $25,000 when qualification requirements are met in linked Legacy Checking or Legacy Rewards Checking (at least 15 debit card purchases, enrolled in eStatements, and at least one direct deposit or ACH payment per monthly qualification cycle). Compound frequency monthly. |
| Any balanceBase rate earned if qualifications are not met in linked Legacy Checking or Legacy Rewards Checking. | 0.05% | $5 | Base rate earned if qualifications are not met in linked Legacy Checking or Legacy Rewards Checking. |
Savings
0.61%APY
Interest compounded and paid quarterly. Low maintenance fee of $1/month if balance drops below $50.00. Up to 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompound Frequency Quarterly. Monthly fee of $1 applies if balance drops below $50.00.Any balance | 0.61% | $61 | Compound Frequency Quarterly. Monthly fee of $1 applies if balance drops below $50.00. |
Special-purpose accounts
Coverdell Education Savings Account
Up to 4.22%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Rate. Compound Frequency Quarterly.Any balance | 4.22% | $422 | Variable Rate. Compound Frequency Quarterly. |
| Any balanceFixed Rate. Compound Frequency Quarterly.Any balance | 4.06% | $406 | Fixed Rate. Compound Frequency Quarterly. |
Sources (1)
- iowastatebank.com/rates · captured Oct 5, 2026
Roth IRA
Up to 4.22%APY
Fixed & variable rate options. Annual maintenance fee $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Rate. Compound Frequency Quarterly.Any balance | 4.22% | $422 | Variable Rate. Compound Frequency Quarterly. |
| Any balanceFixed Rate. Compound Frequency Quarterly.Any balance | 4.06% | $406 | Fixed Rate. Compound Frequency Quarterly. |
Traditional IRA
Up to 4.22%APY
Fixed and variable rate options available. Annual fee $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Rate. Compound Frequency Quarterly.Any balance | 4.22% | $422 | Variable Rate. Compound Frequency Quarterly. |
| Any balanceFixed Rate. Compound Frequency Quarterly.Any balance | 4.06% | $406 | Fixed Rate. Compound Frequency Quarterly. |
Health Savings Account
3.04%APY
Annual fee $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFixed Rate. Compound Frequency Monthly.Any balance | 3.04% | $304 | Fixed Rate. Compound Frequency Monthly. |
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.