Iowa State Bank High-Yield Savings & Money Market Rates

How Iowa State Bank’s savings rates compare

Compared with banks and credit unions near Ottumwa, IA, where Iowa State Bank has the most branches. $10,000, best rate first.

This bank’s best
Iowa State Bank
2.02%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$202
Inspire High Yield Savings
Top rate
Empeople Credit Union
3.25%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$325
Empeople Credit Union rates
3rd-highest rate
U.S. Bank
2.00%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$200
U.S. Bank rates

Compare savings rates near you →

88

Savings score

Higher than 85% of U.S. banks and credit unions

By balance

$10,000 balance$10,0002.02%
$100,000 balance$100,0003.30%
QualifiedQualified2.02%

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.

How the score works →

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.

Impact High Yield Savings

2.02%APY$2,500 to open

6 free debits per month; $5 per excess debit. $14 monthly service fee waived with $2,500 minimum daily balance. Balances under $2,500 earn 0.50% APY / Statement Savings rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Earns 0.50% APY on balances below $2,500. $14 monthly fee applies when balance is below $2,500.	0.50%	—	Earns 0.50% APY on balances below $2,500. $14 monthly fee applies when balance is below $2,500.
$2,500 – $25,000$14 monthly fee waived with $2,500 minimum daily balance.	2.02%	$202	$14 monthly fee waived with $2,500 minimum daily balance.
$25,000 – $100,000$14 monthly fee waived with $2,500 minimum daily balance.	2.53%	—	$14 monthly fee waived with $2,500 minimum daily balance.
$100,000 – $500,000$14 monthly fee waived with $2,500 minimum daily balance.	3.30%	—	$14 monthly fee waived with $2,500 minimum daily balance.
$500,000 and up$14 monthly fee waived with $2,500 minimum daily balance.	3.71%	—	$14 monthly fee waived with $2,500 minimum daily balance.

Sources (2)

All captured Oct 5, 2026

Inspire High Yield Savings

2.02%APY$2,500 to open

6 free debits per month; $5 per excess debit thereafter. $14 monthly service fee waived by maintaining a $2,500 minimum daily balance. Balances under $2,500 earn Statement Savings account rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000$14 monthly fee waived with $2,500 minimum daily balance.	2.02%	$202	$14 monthly fee waived with $2,500 minimum daily balance.
$25,000 – $100,000$14 monthly fee waived with $2,500 minimum daily balance.	2.53%	—	$14 monthly fee waived with $2,500 minimum daily balance.
$100,000 – $500,000$14 monthly fee waived with $2,500 minimum daily balance.	3.30%	—	$14 monthly fee waived with $2,500 minimum daily balance.
$500,000 and up$14 monthly fee waived with $2,500 minimum daily balance.	3.71%	—	$14 monthly fee waived with $2,500 minimum daily balance.

Sources (3)

All captured Oct 5, 2026

Personal High Yield Savings

2.02%APY$2,500 to open

6 free debits per month; $5 per excess debit. $14 monthly service fee waived by maintaining a $2,500 minimum daily balance. Balances under $2,500 earn Statement Savings account rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000$14 monthly fee waived with $2,500 minimum daily balance.	2.02%	$202	$14 monthly fee waived with $2,500 minimum daily balance.
$25,000 – $100,000$14 monthly fee waived with $2,500 minimum daily balance.	2.53%	—	$14 monthly fee waived with $2,500 minimum daily balance.
$100,000 – $500,000$14 monthly fee waived with $2,500 minimum daily balance.	3.30%	—	$14 monthly fee waived with $2,500 minimum daily balance.
$500,000 and up$14 monthly fee waived with $2,500 minimum daily balance.	3.71%	—	$14 monthly fee waived with $2,500 minimum daily balance.

Sources (2)

All captured Oct 5, 2026

Inspire Saver

1.00%APYRequirements apply$100 to open

Free e-statements or $3 monthly paper statement. $100 minimum deposit to open, or $5 when combined with Inspire Checking Account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$5 minimum opening deposit when combined with Inspire Checking Account.Any balance	1.00%	$100	$5 minimum opening deposit when combined with Inspire Checking Account.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Imagine Kids Savings

0.50%APYKids and teens$5 to open

Available to young savers up to 18 years old. Balances over $5,000 earn 0.50% APY / Statement Savings rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000	2.02%	—
$5,000 and upBalances over $5,000 earn 0.50% APY (Statement Savings rate).	0.50%	$50	Balances over $5,000 earn 0.50% APY (Statement Savings rate).

Sources (3)

All captured Oct 5, 2026

Christmas Club

2.00%APYClub$100 to open

Funds automatically released via check on the last day of October. Balances over $25,000 earn no interest. Early withdrawal penalty applies ($10 or three months of interest, whichever is greater).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Balances over $25,000 earn no interest.	2.00%	$200	Balances over $25,000 earn no interest.
$25,000 and upBalances over $25,000 earn no interest.	0.00%	—	Balances over $25,000 earn no interest.

Sources (3)

All captured Oct 5, 2026

Health Savings

0.50%APYHSA$100 to open

Must be covered under a high-deductible health plan (HDHP), under 65, and not enrolled in Medicare.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable rate on entire balance.Any balance	0.50%	$50	Variable rate on entire balance.

Sources (3)

All captured Oct 5, 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.

Visit institution website ↗Branches and institution details

How Iowa State Bank’s savings rates compare

Iowa State Bank savings score

Current savings rates

Impact High Yield Savings

Inspire High Yield Savings

Personal High Yield Savings

Inspire Saver

Special-purpose accounts

Imagine Kids Savings

Christmas Club

Health Savings

Opening an account