Compare Bank & Credit Union Rates
Best savings rates in Des Moines, 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 Des Moines, IA
- 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 - 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 - IH Mississippi Valley Credit UnionMega Money MarketMega Money Market · $2,500 min · 0.75%–3.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. $18 monthly fee if balance drops below $2,500. Limit of 6 transactions per month.
Offer: Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address.
Qualified rate · $18 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY Up to $15,000Your amount 2.00% $15,000 – $50,000 3.00% $50,000 – $100,000Tier 4. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 0.75% $100,000 – $250,000Tier 3. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 0.85% $250,000 – $500,000Tier 2. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 1.05% $500,000 and upTier 1. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 1.05% Rate checked
More details - IH Mississippi Valley Credit UnionSavingsBoosterSavings · $0 min · 2.00%–4.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate, otherwise non-qualifying rate applies. Unlimited withdrawals.
Offer: Qualifying rate on balance tier $0 - $15,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for SavingsBooster Balance APY Up to $15,000Your amount 2.00% $15,000 – $50,000 3.00% $50,000 – $100,000 3.50% Over $100,000 4.00% 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 - 1.85%APY$185 a year on $10,000
Requirements
Offer: $1.00 maintenance fee if the account falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.
1.84% interest rate · $1 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 1.85%APY$185 a year on $10,000with conditions
Requirements
Product: Must have EVANTAGE Solutions Checking to qualify.
Offer: Must have EVANTAGE Solutions Checking to qualify. $5.00 maintenance fee if the account balance falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.
Qualified rate · 1.84% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Journey Credit UnionMoney Market AccountsMoney Market Accounts · $5,000 min · 1.81%–3.04% by balance
Credit union · 2 branches
1.81%APY$181 a year on $10,000Requirements
Product: Dividends paid monthly. Should balance fall below $5,000, lower rate earned and $5.00 monthly service fee charged until balance is above $5,000 again.
Offer: Tier 1
1.80% interest rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $5,000 – $25,000Your amount 1.81% $25,000 – $50,000Tier 2 2.02% $50,000 – $90,000Tier 3 2.48% $90,000 – $150,000Tier 4 2.84% $150,000 and upTier 5 3.04% Rate checked
More details - Greater Iowa Credit UnionGreater SavingsSavings · $0 min · 0.50%–1.70% by balance
Credit union · 1 branch
1.70%APY$170 a year on $10,000with conditionsRequirements
Product: Must be paired with a Greater Checking account. To qualify for higher dividend rates, the following requirements must post and settle prior to the last business day of the month: at least 20 debit card purchases totaling $100 (PIN or signature based), enrollment in e-statements, and either direct deposit of at least $100/month into Greater Checking or at least one payment made via Greater Iowa bill pay from Greater Checking.
Offer: Qualifying rate on balances up to $50,000 when Greater Checking qualification requirements are met.
Qualified rate · 1.69% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Greater Savings Balance APY Up to $50,000Your amount 1.70% Over $50,000 0.50% Rate checked
More details - Serve Credit UnionMoney MarketMoney Market · $2,500 min · 1.46%–1.86% by balance
Credit union · 1 branch
1.46%APY$146 a year on $10,000Requirements
Product: Interest compounds daily and is credited monthly. Minimum deposit of $2,500 required to establish account and earn dividends. Members may make withdrawals of $500 or more by check or in cash, or within Your Online Membership.
Offer: Minimum of $2,500 required to obtain stated APY. Interest compounds daily and is credited monthly.
1.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.46% $25,000 – $50,000 1.56% $50,000 – $100,000 1.66% $100,000 and up 1.86% Rate checked
More details - GreenState Credit UnionImpact Money MarketImpact Money Market · $2,500 min · 1.45%–2.45% by balance
Credit union · 3 branches
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 - Journey Credit UnionShare SavingsSavings · $25 min · 0.75%–1.31% by balance
Credit union · 2 branches
1.31%APY$131 a year on $10,000Requirements
Product: Dividends paid monthly once balance reaches $100.00. Includes 8 free ATM processing transactions per month.
Offer: Tier 1: Up to $4,999.99. Dividends paid monthly once balance reaches $100.00.
0.75% interest rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $5,000 0.75% $5,000 and upYour amount 1.31% Rate checked
More details - Greater Iowa Credit UnioneMoney MarketeMoney Market · $10,000 min · 1.30%–2.17% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Must be enrolled in electronic statements (eStatements) with a valid email address. Rates may vary after the account is opened.
Offer: Must be enrolled in electronic statements (eStatements) with a valid email address.
1.29% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for eMoney Market Balance APY $10,000 and upYour amount 1.30% $25,000 and up 1.35% $50,000 and up 1.51% $100,000 and up 1.71% $250,000 and up 1.92% $500,000 and up 2.17% 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 Des Moines, IA
88 accounts at 29 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 1.82%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.18%
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Des Moines, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch