Compare Bank & Credit Union Rates
Best savings rates in Cedar Falls, IA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Cedar Falls, IA
- Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance
Credit union · 1 branch
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 - Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min
Credit union · 1 branch
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 - 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 - 2.25%APY$225 a year on $10,000
Requirements
Product: Must be enrolled in eStatements by end of month to earn dividends. Available exclusively to consumer members (business, fiduciary, minor, estate, trust accounts not eligible). Must be opened online via Dupaco's Online Application; limited to one account per SSN. Account balance limited to $1,000,000 inclusive of principal and dividend accruals.
Offer: Requires enrollment in eStatements to receive dividends. Online-only account.
2.23% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Jun 2, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - CFCCUSuper Money MarketSuper Money Market · $1,000 min · 1.50%–3.50% by balance
Credit union · 2 branches
1.50%APY$150 a year on $10,000Requirements
Product: Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. $1,000 minimum balance required to earn dividends.
Offer: Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates.
1.49% interest rate · Compounded monthly · Effective Jun 1, 2026
Rate by balance
Rate by balance for Super Money Market Balance APY $1,000 – $25,000Your amount 1.50% $25,000 – $50,000 3.00% $50,000 – $100,000 3.10% $100,000 – $250,000 3.20% $250,000 – $500,000 3.30% $500,000 – $1,000,000 3.40% $1,000,000 and up 3.50% Rate checked
More details - GreenState Credit UnionImpact Money MarketImpact Money Market · $2,500 min · 1.45%–2.45% by balance
Credit union · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: Membership required with a minimum $5 share deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 6 per month. Minimum $2,500 daily balance to avoid $10 monthly service fee.
Offer: Minimum $2,500 daily balance to avoid $10 monthly service fee.
$10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Impact Money Market Balance APY $2,500 – $49,999Your amount 1.45% $50,000 – $99,999 1.65% $100,000 – $249,999 1.85% $250,000 – $499,999 2.05% $500,000 – $999,999 2.25% $1,000,000 and up 2.45% Rate checked
More details - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 1 branch
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% Rate checked
More details - UNITE Credit UnionMoney Market (S7)Money Market (S7) · $1,000 min · 1.15%–1.85% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.
Offer: Min. deposit of $1,000 to open & earn dividends. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened.
1.15% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market (S7) Balance APY $1,000 – $25,000Your amount 1.15% $25,000 – $50,000 1.45% $50,000 – $100,000 1.65% $100,000 and up 1.85% Rate checked
More details - Lincoln Savings BankPremier Money MarketPremier Money Market · $50 min · 0.60%–1.51% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,0000.60% interest rate · Effective Jun 24, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $2,500 0.60% $2,500 – $100,000Your amount 0.80% $100,000 – $250,000 0.90% $250,000 – $500,000 1.21% $500,000 – $1,000,000 1.31% $1,000,000 and up 1.51% Rate checked
More details - Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min
Credit union · 1 branch
0.75%APY$75 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: Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
0.75% interest rate · Effective Feb 1, 2024
Rate checked
More details - Collins Community Credit UnionMoney Market PlusMoney Market Plus · $1,000 min · 0.01%–2.35% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Must meet membership eligibility requirements. Minimum balance fee assessed if balance is below $1,000.00.
Offer: $1,000.00 minimum balance required to earn APY; minimum balance fee assessed if balance is below $1,000.00.
0.01% interest rate
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $1,000 0.01% $1,000 – $10,000 0.05% $10,000 – $50,000Your amountRequires $1,000.00 minimum balance to earn APY; 0.75% $50,000 – $100,000Requires $1,000.00 minimum balance to earn APY; 1.35% $100,000 – $250,000Requires $1,000.00 minimum balance to earn APY; 1.65% $250,000 – $500,000Requires $1,000.00 minimum balance to earn APY; 1.94% $500,000 – $1,000,000Requires $1,000.00 minimum balance to earn APY; 2.15% $1,000,000 and upRequires $1,000.00 minimum balance to earn APY; 2.35% Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $0 min · 0.40%–3.40% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.40% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY Up to $5,000 0.40% $5,000 – $10,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.55% $10,000 – $20,000Your amountLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.65% $20,000 – $50,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.50% $50,000 – $75,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.55% $75,000 – $100,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.60% $100,000 – $250,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.00% $250,000 – $500,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.30% $500,000 and upLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.40% Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $5,000 min · 0.45%–3.00% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.45% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY $5,000 – $10,000 0.45% $10,000 – $20,000Your amount 0.55% $20,000 – $50,000 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.50% $100,000 – $250,000 2.40% $250,000 – $500,000 2.90% $500,000 and up 3.00% 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 Cedar Falls, IA
57 accounts at 16 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.70%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.25%
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Waterloo, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 1 branch
- CFCCUCredit union · 3 branches
- Empeople Credit UnionCredit union · 6 branches