Bank · FDIC insured
Luana Savings Bank Savings Rates
Top CarrotLuana Savings Bank’s best savings rate is 2.02% APY on $10,000, with its Momentum Money Market. Rates checked October 16, 2026.
How Luana Savings Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Luana Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Luana Savings Bank
2.02%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $202
Momentum 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
Luana Savings Bank savings score
89
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.74%
- 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.
Where Luana 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.
Momentum Money Market
2.02%APY
Must maintain a $2,500 minimum daily balance to avoid a $10/month fee. Variable interest rate; rates and APY may change after opening. Up to 8 withdrawals, transfers, or checks per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 1.71% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $10,000 – $50,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 2.02% | $202 | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $50,000 – $100,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 2.48% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $100,000 – $250,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 2.74% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $250,000 – $500,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 2.90% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $500,000 – $1,000,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 3.04% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $1,000,000 – $2,000,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 3.09% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $2,000,000 – $5,000,000$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 3.09% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
| $5,000,000 and up$2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. | 3.09% | — | $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY. |
Sources (2)
- luanasavingsbank.com/bank/checking/momentum-money-market
- luanasavingsbank.com/resources…tes/money-market-account
All captured Oct 5, 2026
Everyday Savings
0.05%APY
Must maintain minimum daily balance of $50 to avoid $8 monthly service fee and obtain disclosed APY. Variable interest rate compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain minimum daily balance of $50 to obtain disclosed APY and avoid $8 service fee. 8 withdrawals allowed per statement cycle ($12 fee per excess transaction).$50 and up | 0.05% | $5 | Must maintain minimum daily balance of $50 to obtain disclosed APY and avoid $8 service fee. 8 withdrawals allowed per statement cycle ($12 fee per excess transaction). |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club Savings Account
2.04%APY
Deposit funds throughout the year via regular deposits or automatic transfer from Luana Savings Bank primary checking. Pays out annually on the third Friday in October (close of club year October 16, 2026) by direct deposit to Luana Savings Bank account; $25 fee if closed prior to October 16, 2026. Maximum annual deposit is $10,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Interest compounded and credited monthly. Automatic transfer available from primary checking. Account automatically renews at maturity.Up to $10,000 | 2.04% | $204 | Interest compounded and credited monthly. Automatic transfer available from primary checking. Account automatically renews at maturity. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account (HSA)
0.05%APY
Must be covered under a high deductible health plan, not covered under a non-HDHP, and not enrolled in Medicare. Must maintain minimum daily balance to obtain disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. | 0.05% | — | Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. |
| $1,001 – $2,500Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. | 0.05% | — | Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. |
| $2,501 – $5,000Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. | 0.05% | — | Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. |
| $5,001 and upMust maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. | 0.05% | $5 | Must maintain minimum daily balance to obtain disclosed APY. Variable interest rate compounded and credited monthly. |
Sources (3)
- luanasavingsbank.com/bank/savings
- luanasavingsbank.com/resources…s/health-savings-account
- luanasavingsbank.com/bank/health-savings-account
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.