Credit union · NCUA insured
Serve Credit Union Savings Rates
Top CarrotServe Credit Union’s best savings rate is 1.46% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Serve Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Serve Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Serve Credit Union
1.46%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $146
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
Serve Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.46%
- $100,000 balance$100,0001.86%
- QualifiedQualified1.46%
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 Serve Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.46%APY
Interest compounds daily and is credited monthly. Minimum deposit of $2,500 required to establish account and earn dividends. Members may make withdrawals of $500 or more by check or in cash, or within Your Online Membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Minimum of $2,500 required to obtain stated APY. Interest compounds daily and is credited monthly. | 1.46% | $146 | Minimum of $2,500 required to obtain stated APY. Interest compounds daily and is credited monthly. |
| $25,000 – $50,000Interest compounds daily and is credited monthly. | 1.56% | — | Interest compounds daily and is credited monthly. |
| $50,000 – $100,000Interest compounds daily and is credited monthly. | 1.66% | — | Interest compounds daily and is credited monthly. |
| $100,000 and upInterest compounds daily and is credited monthly. | 1.86% | — | Interest compounds daily and is credited monthly. |
Sources (3)
All captured Oct 5, 2026
Primary Share Savings
0.15%APY
Opened with an initial membership deposit. Interest compounds daily and is credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.$100 and up | 0.15% | $15 | Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly. |
Sources (3)
All captured Oct 16, 2026
Secondary Savings
0.15%APY
No minimum balance required to open. No maximum amount of Secondary Savings accounts per membership. Interest compounds daily and is credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.$100 and up | 0.15% | $15 | Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly. |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA & Coverdell ESA Shares
1.01%APY
Includes Traditional IRAs, Roth IRAs, and Coverdell/Education Savings Accounts (ESAs). Interest compounds daily and is credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.$100 and up | 1.01% | $101 | Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly. |
Sources (3)
All captured Oct 16, 2026
Holiday Club Account
0.15%APY
Secondary savings designed for holiday savings. Funds remain locked and are transferred to a designated account on approximately October 15 each year. Interest compounds daily and is credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.$100 and up | 0.15% | $15 | Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly. |
Sources (3)
All captured Oct 16, 2026
Youth Savings
0.15%APY
Interest compounds daily and is credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.$100 and up | 0.15% | $15 | Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly. |
Who can join Serve Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Serve Credit Union are eligible for membership.
- Employees, volunteers, retired personnel, and members of health/medical care facilities and organizations who live, work, or worship in Polk County or contiguous counties (Dallas, Boone, Story, Jasper, Marion, Warren, and Madison) are eligible for membership.
- Employees of small employee groups approved by the Superintendent are eligible for membership.
Military, government and schools
- Teachers, administrators, employees, board members, volunteers, retired personnel, and members of schools, recognized private homeschooling, and educational associations/entities within the State of Iowa are eligible for membership.
- Employees, volunteers, and retired personnel of any federal, state, county, or city governmental agencies within the State of Iowa are eligible for membership.
- Employees, volunteers, retired personnel, and members of public agencies, associations, institutions, departments, and government entities within the State of Iowa that enforce laws, rules, and ordinances or protect life and property are eligible for membership.
3 more ways to join
Family and household
- Persons in the same household as a current member, or persons related to a member or spouse by blood or marriage, and relatives of a deceased member are eligible for membership.
Other ways
- Members of Polk County Schools Employees Credit Union as of October 1, 2016 are eligible for membership.
- Members of USDA Credit Union as of May 1, 2015 are eligible for membership.
Cost to join
- Members must fund the membership at opening with a minimum deposit of $25 into the Basic Share / par share.
Membership information collected October 4, 2026.