Bank · FDIC insured
Iowa State Savings Bank Savings Rates
Iowa State Savings Bank’s best savings rate is 0.65% APY on $10,000, with its Balance Builder Savings. Rates checked October 16, 2026.
How Iowa State Savings Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where Iowa State Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Iowa State Savings Bank
0.65%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $65
Reserve Savings
Top rate
Employees Credit Union
3.82%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Iowa State Savings Bank savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.65%
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 Savings 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.
Consumer Money Market
0.55%APY
No monthly fees assessed by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. Unlimited withdrawals and in-bank transfers. No minimum balance. Check writing option.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. Stated tier: Less than $10,000. | 0.40% | — | Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. Stated tier: Less than $10,000. |
| $10,000 – $24,999Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. | 0.55% | $55 | Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. |
| $25,000 – $49,999Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. | 0.70% | — | Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. |
| $50,000 – $99,999Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. | 0.90% | — | Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. |
| $100,000 – $199,999Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. | 0.95% | — | Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. |
| $200,000 and upMonthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. | 1.05% | — | Monthly fee waived by maintaining a $1,000 account balance; $12.00 service charge assessed for balances below $1,000. |
Sources (3)
All captured Sep 24, 2026
Balance Builder Savings
0.65%APY
No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.40% | — |
| $2,500 and up | 0.65% | $65 |
Sources (3)
- issbbank.com/personal/savings
- issbbank.com/personal/savings/…-builder-savings-account
- issbbank.com/deposit-rates
All captured Oct 7, 2026
Reserve Savings
0.65%APY
Linked to checking account to help cover balance and protect from overdrafts. Automatically transfers funds to checking account in $50 increments to cover Non-Sufficient Funds ($2.00 per transfer to NSF checking). No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.40% | — |
| $2,500 and up | 0.65% | $65 |
Sources (3)
- issbbank.com/personal/savings
- issbbank.com/personal/savings/reserve-savings
- issbbank.com/deposit-rates
All captured Oct 7, 2026
Special-purpose accounts
ISSBee Savings Club
0.65%APY
Designed for kids / younger savers; account holder must be under the age of 14. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.40% | — |
| $2,500 and up | 0.65% | $65 |
Sources (3)
- issbbank.com/personal/savings
- issbbank.com/personal/savings/issbee-savings-club
- issbbank.com/deposit-rates
All captured Oct 7, 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.