Compare Bank & Credit Union Rates
Best savings rates in Cedar Rapids, IA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Cedar Rapids, IA
- 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - Quaker Oats Credit UnionShare Savings AccountSavings · $100 min · 0.01%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Must open and maintain a minimum balance of $5 to maintain membership. Dividends paid on balances of $100 and over.
0.01% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Share Savings Account Balance APY $100 – $1,000 0.01% $1,000 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.25% Rate checked
More details - Quaker Oats Credit UnionStrike Savings AccountSavings · $0 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: No minimum balance to open. Dividends paid on balances of $1,001.00 and over. Must have a Share Savings Account opened first.
0.00% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Strike Savings Account Balance APY Up to $1,000 0.00% $1,001 and upYour amount 0.25% Rate checked
More details - Farmers State BankRegular Savings AccountSavings · $50 min · 0.00%–0.40% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: A maintenance fee of $3.00 per month applies if minimum daily balance of $100.00 is not maintained. A withdrawal fee of $0.50 applies for each withdrawal in excess of 6 per month unless a $2,500.00 average daily balance is maintained. Maximum 6 preauthorized/automatic transfers or withdrawals per statement cycle.
0.00% interest rate · $3 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Regular Savings Account Balance APY Up to $100 0.00% $100 – $1,000 0.05% $1,000 – $20,000Your amount 0.20% $20,000 and up 0.40% Rate checked
More details - Farmers State BankUltimate Savings AccountSavings · $10,000 min · 0.00%–3.00% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: Balances below $10,000.00 will not earn interest. No monthly maintenance fee. Penalty for early withdrawal is seven days interest on amounts withdrawn or $50.00, whichever is greater, except one penalty-free withdrawal permitted during first five business days of each month if funds have been on deposit 6+ business days without withdrawals in prior 6 business days. Not available for public funds or individual retirement accounts. Online account opening not available.
0.00% interest rate · No monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Ultimate Savings Account Balance APY Up to $10,000 0.00% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.40% $50,000 – $100,000 1.00% $100,000 – $249,999 2.25% $250,000 and up 3.00% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $5 monthly service charge if available balance falls below $100. $100 minimum deposit to open. Minimum $100.00 to earn interest. Unlimited deposits and transfers.
Offer: $5 monthly service charge waived if available balance remains at or above $100. $100.00 minimum to earn interest. Interest is compounded quarterly and credited quarterly.
0.15% interest rate · Compounded quarterly · $5 monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY $100 – $5,000 0.15% $5,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: If balance falls below $1,000, no interest is earned for that day.
0.05% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,499 0.05% $2,500 – $9,999 0.10% $10,000 – $74,999Your amount 0.20% $75,000 and up 0.25% Rate checked
More details - Nicolet National BankMoney Market Account (MMA)Money Market Account (MMA) · $1,000 min · 0.10%–0.20% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Offer: $10 monthly service charge if available balance falls below $1,000.
0.10% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY $1,000 – $4,999 0.10% $5,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Higher interest rates reward consistency. Automatic transfers build discipline. All accrued earnings forfeited if closed before end of quarter.
Offer: Quarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter.
0.20% interest rate
Rate checked
More details - Dupaco Community Credit UnionShare SavingsSavings · $25 min · 0.00%–0.20% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Dividends and APY accurate as of last dividend declaration date. Rate is variable and may change after account opening. Par value of one share in the credit union is $25.00.
0.00% interest rate · Effective Jun 15, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $100 0.00% $100 – $2,500 0.10% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and up 0.20% Rate checked
More details - Dupaco Community Credit UnionYou Name It SavingsSavings · $0 min · 0.00%–0.20% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Dividends and APY accurate as of the last dividend declaration date. Rates are variable and subject to change after account opening.
0.00% interest rate · Effective Jun 2, 2026
Rate by balance
Rate by balance for You Name It Savings Balance APY Up to $100 0.00% $100 – $2,500 0.10% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and up 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee.
Offer: Dividends compounded and credited quarterly. Service fee applies if balance falls below required minimum daily balance.
0.15% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee.
Offer: Dividends compounded and credited quarterly. Service fee applies if balance falls below required minimum daily balance.
0.15% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: For customers seeking an easy, fee-free way to save. No monthly fee. No minimum opening deposit. No minimum balance requirement. ChexSystems reports may be pulled for new customers.
Offer: Interest rates may change after account is open. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.
0.10% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: A special savings option to go with UI Employee Advantage Checking Account. Limit of one UI Employee Advantage account type per individual. If direct deposit from the University of Iowa is discontinued, the account converts to Regular Savings. Free ATM transactions (non-Hills Bank ATM owner may surcharge). 0.25% consumer loan discount – one time use (not valid for home equity products). Six transfers or withdrawals per month by pre-authorized, automatic, Hills Bank Online, telephone, check, draft, debit card, or similar order to third parties.
Offer: Earns variable interest. APY is based on monthly compounding. No service fee.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Sep 11, 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 Cedar Rapids, IA
80 accounts at 24 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.25%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Cedar Rapids, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 4 branches
- Bankers TrustBank · 2 branches
- Corda Credit UnionCredit union · 4 branches