Bank · FDIC insured
TruBank Savings Rates
TruBank’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How TruBank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where TruBank has the most branches. $10,000, best rate first.
This bank’s best
TruBank
0.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
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
TruBank savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.50%
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 TruBank 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.
TruInvestor Money Market
Up to 2.90%APY
$100,000 to begin earning interest. Avoid the $10 monthly service charge by maintaining an average daily balance of $2,500 or more. Avoid the $2.00 paper statement fee each month by enrolling in eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $250,000Minimum balance of $100,000 required to obtain disclosed APY and begin earning interest. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 1.50% | — | Minimum balance of $100,000 required to obtain disclosed APY and begin earning interest. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $250,000 – $500,000Minimum balance of $250,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 2.00% | — | Minimum balance of $250,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $500,000 – $750,000Minimum balance of $500,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 2.20% | — | Minimum balance of $500,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $750,000 – $1,000,000Minimum balance of $750,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 2.75% | — | Minimum balance of $750,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $1,000,000 and upMinimum balance of $1,000,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 2.90% | — | Minimum balance of $1,000,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
Sources (2)
All captured Oct 5, 2026
Money Market
0.50%APY
Avoid the $10 monthly service charge by maintaining an average daily balance of $2,500 or more. Avoid the $2.00 paper statement fee each month by enrolling in eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $50,000Minimum balance of $2,500 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 0.50% | $50 | Minimum balance of $2,500 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $50,000 – $250,000Minimum balance of $50,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 0.75% | — | Minimum balance of $50,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $250,000 – $500,000Minimum balance of $250,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 1.00% | — | Minimum balance of $250,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $500,000 – $750,000Minimum balance of $500,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 1.25% | — | Minimum balance of $500,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
| $750,000 and upMinimum balance of $750,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. | 1.50% | — | Minimum balance of $750,000 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements. |
Sources (3)
- trubank.bank/personal/personal-savings
- trubank.bank/personal/personal…oney-market-account.html
- trubank.bank/services-tools/tools/rates.html
All captured Oct 5, 2026
Prime Reserve Account
0.20%APY
Minimum balances required to obtain disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Balance range: $5,000 - $24,999.99 | 0.20% | $20 | Balance range: $5,000 - $24,999.99 |
| $25,000 – $50,000Balance range: $25,000 - $49,999.99 | 0.20% | — | Balance range: $25,000 - $49,999.99 |
| $50,000 – $100,000Balance range: $50,000 - $99,999.99 | 0.25% | — | Balance range: $50,000 - $99,999.99 |
| $100,000 – $250,000Balance range: $100,000 - $249,999.99 | 0.30% | — | Balance range: $100,000 - $249,999.99 |
| $250,000 and upBalance range: $250,000+ | 0.40% | — | Balance range: $250,000+ |
Sources (1)
- trubank.bank/services-tools/tools/rates.html · captured Oct 5, 2026
Regular Savings Account
0.10%APY
Avoid the $2.00 paper statement fee each month by enrolling in eStatements. 6 free withdrawals per month; $1 fee for withdrawals in excess thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly and paid quarterly.Any balance | 0.10% | $10 | Compounded quarterly and paid quarterly. |
Sources (3)
- trubank.bank/personal/personal-savings
- trubank.bank/personal/personal…lar-savings-account.html
- trubank.bank/services-tools/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Accounts (HSAs)
0.10%APY
Must be covered under a high-deductible health plan (HDHP), under 65, and not enrolled in Medicare to qualify. Non-qualified withdrawals subject to income tax and 10% penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- trubank.bank/personal/personal-savings
- trubank.bank/personal/personal…vings-accounts-hsas.html
- trubank.bank/services-tools/tools/rates.html
All captured Oct 5, 2026
Individual Retirement Accounts (IRAs)
0.10%APY
Traditional and Roth IRA options available. Annual contribution limits apply ($6,000 as of 2020; additional $1,000 catch-up for ages 50+). Early withdrawals subject to penalty. Funds can be used to purchase CDs within IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- trubank.bank/personal/personal-savings
- trubank.bank/personal/personal…ement-accounts-iras.html
- trubank.bank/services-tools/tools/rates.html
All captured Oct 5, 2026
Youth Savings Account
0.10%APY
Available to customers under the age of 18. 6 free withdrawals per month; $1 fee for withdrawals in excess thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly and paid quarterly.Any balance | 0.10% | $10 | Compounded quarterly and paid quarterly. |
Sources (3)
- trubank.bank/personal/personal-savings
- trubank.bank/personal/personal…uth-savings-account.html
- trubank.bank/services-tools/tools/rates.html
All captured Oct 5, 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.