Compare Bank & Credit Union Rates
Best savings rates in Ames, IA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Ames, IA
- BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Check writing available. Monthly maintenance fee of $12.99 is waived with a $1,000 minimum daily balance.
Offer: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $12.99 waived with $1,000 minimum daily balance.
0.70% interest rate · $12.99 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $5,000 0.70% $5,000 – $10,000 0.73% $10,000 – $50,000Your amount 0.75% $50,000 – $100,000 0.93% $100,000 and up 0.95% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: APY not published for this product. Opening minimum and fees not stated.
0.70% interest rate · Effective Dec 19, 2025
Rate by balance
Rate by balance for Estate Savings Balance APY Up to $20,000Your amount 0.70%* $20,000 – $50,000 0.80%* $50,000 – $100,000 0.90%* $100,000 – $500,000 1.01%* $500,000 – $1,000,000 1.36%* $1,000,000 and up 1.61%* Rate checked
More details - Vision Bank of Iowa.Money Market AccountMoney Market Account · $2,500 min · 0.50%–0.95% by balance
Bank · 3 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rates on balances $2,500.00 and above. $2,500.00 minimum daily balance required to waive $10.00 monthly service charge. $50.00 minimum opening deposit required.
Offer: $10.00 monthly service charge waived if $2,500.00 minimum daily balance is maintained.
0.50% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.65% $25,000 – $50,000 0.75% $50,000 – $100,000 0.80% $100,000 and up 0.95% Rate checked
More details - First National BankMoney Market SavingsMoney Market Savings · $0 min · 0.55%–0.90% by balance
Bank · 3 branches
0.55%APY$55 a year on $10,000Requirements
Product: Tiered interest rates. Interest compounds monthly. $1,000 minimum balance to avoid monthly fees. Checks available upon request.
Offer: $1,000 minimum balance to avoid monthly fees.
0.55% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.55% $25,000 – $99,999 0.65% $100,000 – $249,999 0.75% $250,000 and up 0.90% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Monthly maintenance fee of $6.99 is waived with a $200 minimum daily balance or for individuals age 55 and over.
Offer: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
0.55% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: $2 monthly maintenance fee waived when average daily balance for the month is above $50. Free paper statement available.
Offer: $2 monthly maintenance fee waived when average daily balance for the month is above $50.
0.40% interest rate · $2 monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $10,000 0.40% $10,000 and upYour amount 0.55% Rate checked
More details - Members1st Community Credit UnionLIQUIDITY1stSavings · $1,000 min · 0.50%–0.70% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Checks are available with these accounts, but they are not intended for primary checking account use. Minimum of $1,000 to earn dividends.
Offer: Minimum of $1,000 to earn dividends.
0.50% interest rate
Rate by balance
Rate by balance for LIQUIDITY1st Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.50% $50,000 and up 0.70% Rate checked
More details - Exchange State BankMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.00% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: A minimum balance fee of $5.00 will be imposed every month if the average daily balance for the month falls below $1,000. Withdrawals limited to 6 per month; excess withdrawals/transfers are $1.00 per item.
Offer: Monthly fee of $5.00 applies if average daily balance falls below $1,000; withdrawals limited to 6 per month. Excess withdrawals/transfers are $1.00 per item.
0.50% interest rate · $5 monthly fee · Effective Feb 15, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 and up 1.00% Rate checked
More details - Community Choice Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.40%–0.65% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: $10,000.00 minimum deposit required to open the account. $10,000.00 minimum average daily balance required to earn interest. Each tier applies to both consumer and business accounts. Rates are subject to change after the account is opened. Fees could reduce earnings.
Offer: Minimum average daily balance of $10,000.00 required to earn interest.
0.40% interest rate · Effective Jun 6, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.45% $50,000 – $100,000 0.50% $100,000 – $150,000 0.55% Over $150,000 0.65% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Greater Iowa Credit UnionMoney MarketMoney Market · $2,500 min · 0.30%–0.55% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: Rates may vary after the account is opened.
0.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.30% $25,000 and up 0.35% $50,000 and up 0.40% $100,000 and up 0.50% $200,000 and up 0.55% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
Offer: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
0.30% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - Premier Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.15%–0.25% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Dividends compounded monthly. $10.00/month fee if balance falls below $2,000 minimum balance.
Offer: Fee of $10.00/month applies if balance falls below $2,000 minimum balance.
0.15% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $100,000 0.25% $100,000 and up 0.25% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Ames, IA
62 accounts at 17 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.30%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.10%
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Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch