Bank · FDIC insured
Union State Bank Savings Rates
Union State Bank’s best savings rate is 0.80% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Union State Bank’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Union State Bank has the most branches. $10,000, best rate first.
This bank’s best
Union State Bank
0.80%APY
- Minimum
- $100
- Earns on $10,000 a year
- $80
Regular Savings
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
Union State Bank savings score
84
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.41%
- QualifiedQualified0.80%
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 Union 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.
Advantage Money Market
0.20%APY
Variable interest rate. Interest compounds monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.20% | $20 |
| $25,000 and up | 0.90% | — |
| $100,000 and up | 1.41% | — |
| $300,000 and up | 1.71% | — |
| $500,000 and up | 2.02% | — |
| $1,000,000 and up | 2.53% | — |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
Money Market Account
Up to 0.70%APY
Variable interest rate. Interest compounds monthly. Six withdrawal/transfer limitations apply per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. | 0.20% | — | Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. |
| $2,500 and upWaive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. | 0.30% | $30 | Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. |
| $10,000 and upWaive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. | 0.70% | $70 | Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. |
| $25,000 and upWaive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. | 1.26% | — | Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit. |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.80%APY
Effective date: September 30, 2026. Variable interest rate. Rate varies by balance. Monthly fee $7 if minimum balance not met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Balance under $2,500. | 0.20% | — | Balance under $2,500. |
| $2,500 – $9,999Balance $2,500 or more. | 0.25% | — | Balance $2,500 or more. |
| $10,000 – $24,999Balance $10,000 or more. | 0.80% | $80 | Balance $10,000 or more. |
| $25,000 and upBalance $25,000 or more. | 0.90% | — | Balance $25,000 or more. |
Sources (2)
All captured Oct 5, 2026
Burial Trust
0.70%APY
Variable rate. Savings accounts compound semi-annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.70% | $70 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.90%APY
Variable rate. Savings accounts compound semi-annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.90% | $90 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
Christmas Saving Clubs
0.70%APY
Annual disbursement check issued in November. Annual statements. Variable rate compounding semi-annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDisbursement check issued annually in November.Any balance | 0.70% | $70 | Disbursement check issued annually in November. |
Sources (2)
All captured Oct 5, 2026
College Savings
0.70%APY
Ideal for first time account holders preparing to save for college. Free account with quarterly statements. Variable rate compounding semi-annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccount limitations apply (maximum 6 withdrawals or transfers per period).Any balance | 0.70% | $70 | Account limitations apply (maximum 6 withdrawals or transfers per period). |
Sources (2)
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.