Compare Bank & Credit Union Rates
Best savings rates in Iowa
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Iowa
- 3.82%APY$381 a year on $10,000
3.75% interest rate
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 8 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.70%APY$370 a year on $10,000
Requirements
Offer: Variable interest rate; interest compounded and credited monthly; calculated using the daily balance method.
No monthly fee · Effective Jan 18, 2026
Rate checked
More details - 3.56%APY$356 a year on $10,000
3.50% interest rate
Rate checked
More details - CENT Credit UnionCheers Money MarketCheers Money Market · $5,000 min · 3.55%–5.00% by balance
Credit union · 3 branches
3.55%APY$355 a year on $10,0003.49% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Cheers Money Market Balance APY $5,000 – $25,000Your amount 3.55% $25,000 – $50,000 3.60% $50,000 – $75,000 3.65% $75,000 – $100,000 3.70% $100,000 – $200,000 3.75% $200,000 – $500,000 4.00% $500,000 – $1,000,000 4.25% $1,000,000 and up 5.00% Rate checked
More details - 3.38%APY$338 a year on $10,000
Requirements
Product: Rate tied to daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Extended NCUA insurance coverage up to $15 million provided through partner credit unions.
Offer: The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required.
Balance cap $15,000,000 · Effective Aug 12, 2026
Rate checked
More details - Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance
Credit union · 11 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $5,000 0.15% $5,000 and upYour amountLevel 2: All-In Member Pricing (requires 21+ debit or credit card transactions/month and >=$1,500 in direct/mobile deposits within last 31 days). 3.25% Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: $15.00 maintenance fee will apply if the account falls below $2,500.00 any day of the statement cycle. Limited transactions account: 6 transfers per cycle, of which 6 may be by check. Regardless of balance, a $5.00 per debit fee will be charged for each transaction in excess of transaction limitations. Interest paid on the entire account balance. Fees subject to state and local option sales tax.
2.96% interest rate · $15 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 3.00% $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.50% $100,000 and up 3.75% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 6 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min
Credit union · 9 branches
3.05%APY$305 a year on $10,000Requirements
Product: Requires $1,000.00 initial minimum new money deposit to open. Must meet membership eligibility requirements. Subject to early closure fee and monthly minimum balance fee.
Offer: Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
3.02% interest rate
Rate checked
More details - 3.03%APY$303 a year on $10,000
Requirements
Product: No minimum opening balance. $5 monthly print statement fee, waived for customers enrolled in e-statements. Interest compounded and credited monthly. Variable tiered rate based on average daily balance. Up to 6 debit transactions per month without excess fee.
Offer: Variable interest rate. $5 monthly print statement fee waived if enrolled in e-statements. No minimum deposit to open.
0.50% interest rate · $5 monthly fee
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $5,000 0.50% $5,000 – $100,000Your amountTier APY range stated as 0.50 – 3.03%. 3.03% $100,000 and upTier APY range stated as 3.03 – 1.17%. 1.17% Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Reverts to standard rate for balance tier after the 10-month introductory period. Membership required.
Offer: Promotional rate effective for 10 months from opening date of new Money Market account; minimum opening deposit $10,000; minimum balance to earn dividends $10,000.
Promotional rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per Social Security Number. No recurring monthly maintenance fees.
Offer: Base rate applied to entire daily balance when linked Kasasa Cash or Kasasa Cash Back qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 19, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $100,000Your amountWhen linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 1 Direct Deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases, and enrolled in eStatements during monthly qualification cycle). 3.00% Over $100,000 0.25%* Rate checked
More details - Cobalt Credit UnionOnline Prime SavingsSavings · $0 min · 0.00%–2.90% by balance
Credit union · 1 branch
2.90%APY$290 a year on $10,000Requirements
Product: Variable-rate account opened online. Rate tracks the Wall Street Journal Prime Rate minus 4.10% with a minimum floor rate of 0.30%. Enrolled in digital banking with eStatements. Maximum of six withdrawals allowed per month.
Offer: Account balances below $1,000 do not earn APY and will be assessed a $10 monthly service fee.
0.00% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Online Prime Savings Balance APY Up to $1,000 0.00% $1,000 and upYour amountDividend rate and APY based on WSJ Prime Rate minus 4.10% with a 0.30% floor rate. 2.90% Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: New or existing account or line of service with us is required to qualify/open. Monthly maintenance service charge of $2.50 waived if account owner is under 23 years of age or a $100 average daily balance is maintained for the month.
Offer: Interest compounded quarterly. No set term / no maximum deposit value. Minimum to obtain APY is $2,500. $2.50 monthly maintenance service charge waived if account owner is under 23 years of age or $100 average daily balance is maintained.
Compounded quarterly · $2.50 monthly fee · Effective Jun 24, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Iowa
440 accounts at 171 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.40%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
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Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch