Bank · FDIC insured
United Bank of Iowa Savings Rates
A $2.5B bank headquartered in Ida Grove, IA, with 38 branches in Iowa.
How United Bank of Iowa’s savings rates compare
Compared with banks and credit unions in Iowa, where United Bank of Iowa has the most branches. $10,000, best rate first.
This bank’s best
United Bank of Iowa
0.75%APY
- Requires
- Conditions apply
- Minimum
- $25
- Earns on $10,000 a year
- $75
UBI Kids Savings Club
Top rate
Employees Credit Union
3.82%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
UBI Kids Savings Club
0.75%APY
Available to children age 12 and under with the child as the primary account holder. Limited to 15 debit transactions per month ($10 fee per debit exceeding 15). $25 match bonus paid upon receipt of the first $25 deposit at account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to daily balances less than $1,000.01. No minimum balance to obtain APY. $25 minimum opening deposit to obtain $25 bonus.Any balance | 0.75% | $75 | Applies to daily balances less than $1,000.01. No minimum balance to obtain APY. $25 minimum opening deposit to obtain $25 bonus. |
Sources (3)
- unitedbk.bank/personal-savings
- unitedbk.bank/personal/savings
- unitedbk.bank/personal/ubi-kids-savings-club
All captured Sep 18, 2026
Opening an account
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