Bank · FDIC insured
Midwest Heritage Savings Rates
Midwest Heritage’s best savings rate is 0.85% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Midwest Heritage’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Midwest Heritage has the most branches. $10,000, best rate first.
This bank’s best
Midwest Heritage
0.85%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $85
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
Midwest Heritage savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.87%
- QualifiedQualified0.85%
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 Midwest Heritage 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
0.85%APY
$1,000 minimum daily balance to avoid $12.50 monthly fee. Avoid $5 monthly paper statement fee by enrolling in free eStatements. Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000$12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. | 0.85% | $85 | $12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. |
| $25,000 – $75,000$12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. | 1.00% | — | $12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. |
| $75,000 – $250,000$12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. | 1.87% | — | $12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. |
| $250,000 and up$12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. | 2.40% | — | $12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly. |
Sources (2)
- midwestheritage.com/personal/b…g/consumer-deposit-rates
- midwestheritage.com/personal/b…gs-money-market-accounts
All captured Oct 5, 2026
E-Savings
0.05%APY
Basic savings account for lower balances and first-time savers. $5 minimum balance fee assessed monthly when daily balance falls below $200. $5 monthly paper statement fee can be avoided by enrolling in free eStatements. $1 monthly fee per requested debit card. Interest compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. $5 monthly fee if daily balance falls below $200. $5 paper statement fee waived with eStatements. Interest compounded monthly.Any balance | 0.05% | $5 | Applies to all balances. $5 monthly fee if daily balance falls below $200. $5 paper statement fee waived with eStatements. Interest compounded monthly. |
Sources (2)
- midwestheritage.com/personal/b…g/consumer-deposit-rates
- midwestheritage.com/personal/b…gs-money-market-accounts
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
0.20%APY
Tiered interest rate schedule effective as of 11/12/2024. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1: Up to $1,000 balance. | 0.10% | — | Tier 1: Up to $1,000 balance. |
| $1,000 – $5,000Tier 2: $1,000 - $4,999.99 balance. | 0.15% | — | Tier 2: $1,000 - $4,999.99 balance. |
| $5,000 – $25,000Tier 3: $5,000 - $24,999.99 balance. | 0.20% | $20 | Tier 3: $5,000 - $24,999.99 balance. |
| $25,000 and upTier 4: $25,000+ balance. | 0.25% | — | Tier 4: $25,000+ balance. |
Sources (1)
- midwestheritage.com/personal/b…g/consumer-deposit-rates · captured Sep 18, 2026
Minor Savings (Under 18)
0.05%APY
Savings account for individuals under 18. $5 minimum balance fee assessed monthly when daily balance falls below $25. $5 monthly paper statement fee can be avoided by enrolling in free eStatements. Interest compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor individuals under 18. Applies to all balances. $5 monthly fee if daily balance falls below $25. $5 paper statement fee waived with eStatements. Interest compounded monthly.Any balance | 0.05% | $5 | For individuals under 18. Applies to all balances. $5 monthly fee if daily balance falls below $25. $5 paper statement fee waived with eStatements. Interest compounded monthly. |
Sources (2)
- midwestheritage.com/personal/b…g/consumer-deposit-rates
- midwestheritage.com/personal/b…gs-money-market-accounts
All 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.