Compare Bank & Credit Union Rates
Best savings rates in Council Bluffs, 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 Council Bluffs, IA
- Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 3 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 - 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 - 2.65%APY$265 a year on $10,000
Requirements
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: Rate current as of 10/14/2026 on Prime Online Savings page. In order to earn disclosed APY, must maintain average daily balance at least equal to $1,000 and enroll in digital banking with eStatements.
Effective Oct 14, 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 - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 3 branches
1.60%APY$160 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 Choice enhanced rate tier. Requires meeting and maintaining Emerald 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 · 1.58% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Centris Federal Credit UnionAdvantage Money MarketAdvantage Money Market · $0 min · 0.00%–1.50% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Earn tiered dividends with a $2,500 average daily balance. $15 monthly service fee waived if minimum daily balance is $2,500. Eligible for a variable relationship rate increase of 0.50% APY when maintaining a $2,500 minimum daily balance and a qualifying checking account with monthly direct deposit of $2,500 or more.
Offer: Monthly service fee of $15 waived if minimum daily balance is $2,500. Rate tier for balances $0.00 - $2,499.99.
0.00% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit. 0.75% $10,000 – $25,000Your amountEligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit. 1.00% $25,000 – $50,000Eligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit. 1.25% $50,000 and upEligible for a 0.50% APY relationship rate increase with qualifying checking and $2,500+ monthly direct deposit. 1.50% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 3 branches
0.50%APY$50 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: Platinum Choice enhanced rate tier. Requires meeting and maintaining Platinum 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 · 0.50% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Establishes credit union membership ($1.00 one-time membership fee and $25.00 minimum required to maintain membership). 6 free withdrawals or transfers allowed per month. Funds accessible through ATM.
Offer: $100.00 minimum to earn dividends. Dividends paid monthly.
0.35% interest rate · Effective Sep 22, 2026
Rate checked
More details - U.P Connection Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.35%–1.01% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Dividends are calculated on an average daily balance using rate tiers. Minimum deposit to open is $2,500. Unlimited deposits, 6 withdrawals or transfers per month (minimum $200 each). Account may be used as collateral for a loan. No monthly service charge with minimum $2,500 balance.
Offer: APY range stated as 0.01%-0.34%.
0.35% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 0.35%* $2,500 – $5,000 0.35%* $5,000 – $24,999Your amount 0.35%* $25,000 – $50,000APY range stated as 0.34%-0.49%. 0.50%* $50,000 and upAPY range stated as 0.49%-0.99%. 1.01%* Rate checked
More details - Midland Credit UnionMoney Market Share AccountMoney Market Share Account · $10,000 min · 0.35%–0.55% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Up to six (6) free withdrawals a month; fee applies to transactions exceeding six. Max 6 preauthorized, automatic, or telephone transfers per month, with no more than 3 to a third party. Rates subject to change monthly. Minimum balance of $10,000 required to earn dividend. Fees could reduce earnings.
Offer: Minimum balance required of $10,000 to earn dividend.
0.35% interest rate
Rate by balance
Rate by balance for Money Market Share Account Balance APY $10,000 – $24,999Your amount 0.35% $25,000 – $49,999 0.40% $50,000 – $99,999 0.45% $100,000 and up 0.55% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 3 branches
0.25%APY$25 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: Standard rate tier. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 0.25% interest rate · $16 monthly fee · Effective Oct 5, 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 - U.P Connection Federal Credit UnionPrimary Share AccountsSavings · $0 min · 0.00%–0.35% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Dividends are paid monthly based on the average daily balance. Automatic payroll deductions and internal transfers are available.
0.00% interest rate
Rate by balance
Rate by balance for Primary Share Accounts Balance APY Up to $100 0.00% $100 – $2,000APY listed as 0.01-0.09% 0.10%* $2,000 – $9,999APY listed as 0.09%-0.14% 0.15%* $10,000 – $50,000Your amountAPY listed as 0.09%-0.14% 0.15%* $50,000 and upAPY listed as 0.14%-0.34% 0.35%* Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a member to open an account.
Offer: $50 minimum balance to earn interest
0.10% interest rate · Effective Oct 16, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Council Bluffs, IA
32 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- 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.
Omaha, NE-IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornhusker BankBank · 1 branch
- PenFed Credit UnionCredit union · 3 branches
- Metro Credit UnionCredit union · 5 branches