Bank · FDIC insured
Midstates Bank Savings Rates
A $653.9M bank headquartered in Council Bluffs, IA, with 10 branches in Iowa.
How Midstates Bank’s savings rates compare
Compared with banks and credit unions in Iowa, where Midstates Bank has the most branches. $10,000, best rate first.
This bank’s best
Midstates Bank
1.99%APY
- Requires
- Conditions apply
- Minimum
- $10,000.01
- Earns on $10,000 a year
- —
Health Savings Account
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
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Health Savings Account
1.99%APY
Must be enrolled in a qualified High-Deductible Health Plan (HDHP). No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $10,000Balances over $10,000 required to earn the advertised APY. Variable rates subject to change.Over $10,000 | 1.99% | — | Balances over $10,000 required to earn the advertised APY. Variable rates subject to change. |
Sources (1)
- midstatesbank.com/health-savings-account · 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.