Bank · FDIC insured
The State Bank Savings Rates
The State Bank’s best savings rate is 0.15% APY on $10,000, with its Money Fund. Rates checked October 16, 2026.
How The State Bank’s savings rates compare
Compared with banks and credit unions near Spirit Lake, IA, where The State Bank has the most branches. $10,000, best rate first.
This bank’s best
The State Bank
0.15%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $15
Money Fund
Top rate
Bank Midwest
1.51%APY
- Minimum
- $50
- Earns on $10,000 a year
- $151
2nd-highest rate
Citizens Community Credit Union
1.10%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $110
The State Bank savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.15%
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 The 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.
Money Fund
0.15%APY
Variable rate account compounded daily and paid monthly. Maximum of 6 preauthorized transfers per monthly statement cycle. Rates increase with higher balances.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. | 0.15% | $15 | Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. |
| $25,000 – $100,000Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. | 0.25% | — | Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. |
| $100,000 – $250,000Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. | 0.50% | — | Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. |
| $250,000 – $1,000,000Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. | 0.75% | — | Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. |
| $1,000,000 and upVariable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. | 1.51% | — | Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly. |
Sources (2)
All captured Oct 16, 2026
Savings
0.10%APY
Variable rate compounded daily and paid quarterly. Monthly statement if EFT activity, otherwise quarterly. Minimum daily balance to obtain APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings.Any balance | 0.10% | $10 | Variable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA
1.76%APY
Retirement account offered as Traditional IRA, Roth IRA, Simple IRA. Penalty will or may be imposed for early withdrawal. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePenalty will or may be imposed for early withdrawal. Variable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings.Any balance | 1.76% | $176 | Penalty will or may be imposed for early withdrawal. Variable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Health Savings Accounts
0.50%APY
Tax advantaged savings account used for medical expenses. First 25 checks FREE. Variable rate compounded daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings.Any balance | 0.50% | $50 | Variable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings. |
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.