Bank · FDIC insured
Reliance State Bank Savings Rates
Reliance State Bank’s best savings rate is 0.30% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How Reliance State Bank’s savings rates compare
Compared with banks and credit unions near Ames, IA, where Reliance State Bank has the most branches. $10,000, best rate first.
This bank’s best
Reliance State Bank
0.30%APY
- Requires
- None
- Minimum
- $200
- Earns on $10,000 a year
- $30
Personal Savings
Top rate
Central State Bank
2.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $250
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Reliance State Bank savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 Reliance 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.
Special-purpose accounts
Individual Retirement Account (IRA) - Savings
3.28%APY
Retirement savings with tax advantages; offered in Traditional and Roth options. 10% penalty applies on distribution amounts taken within the first five years. Each IRA depositor is insured up to $250,000 by the FDIC.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 3.28% | $328 |
| $25,000 and up | 3.53% | — |
Kid's Super Savers
0.30%APY
Available for children under age 18; must be opened jointly with an adult in-branch. Automatically converts to a Personal Savings account at age 18. If balance falls below $25, a $6 monthly maintenance fee applies. Funds compounded and paid quarterly. Unlimited in-person withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$6 monthly fee applies if balance falls below $25. Available for children under age 18.$25 and up | 0.30% | $30 | $6 monthly fee applies if balance falls below $25. Available for children under age 18. |
Sources (2)
All captured Oct 16, 2026
Personal Savings
0.30%APY
Must be 18+ and an Iowa resident to open online. Minors must open in-branch with an adult. A $6 monthly maintenance fee applies if the balance falls below $200 ($25 for minors). ATM access available when paired with an RSB checking account. Earning interest with funds compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and up$6 monthly fee applies if balance falls below $200.$200 and up | 0.30% | $30 | $6 monthly fee applies if balance falls below $200. |
Sources (2)
All captured Oct 16, 2026
Health Savings Accounts
0.15%APY
Designed to work alongside a qualifying high-deductible health plan (HDHP). No monthly maintenance fee. Easy access with a debit card. Unused funds roll over year to year. Tax-free withdrawals for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $5,000 | 0.10% | — |
| $5,000 and up | 0.15% | $15 |
Sources (2)
All captured Oct 16, 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.