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 31–45 results in Des Moines, IA
- IH Mississippi Valley Credit UnionMega Money MarketMega Money Market · $2,500 min · 0.05%–4.00% by balance
Credit union · 1 branch
0.70%APY$70 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: Non-qualifying rate if qualifying requirements are not met.
Qualified rate · $18 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY Any balance 0.05% $2,500 – $10,000Tier 6. No commercial or institutional funds permitted. 0.25% $10,000 – $50,000Your amountTier 5. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 0.70% $50,000 – $100,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. 3.50% Over $100,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. 4.00% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Up to six withdrawals per month.
0.60% interest rate · No monthly fee · Effective Jan 1, 2026
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 - 0.50%APY$50 a year on $10,000
Requirements
Product: Avoid the $10 monthly service charge by maintaining an average daily balance of $2,500 or more. Avoid the $2.00 paper statement fee each month by enrolling in eStatements.
Offer: Minimum balance of $2,500 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements.
0.50% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 0.50% $50,000 – $250,000 0.75% $250,000 – $500,000 1.00% $500,000 – $750,000 1.25% $750,000 and up 1.50% Rate checked
More details - Polk County Credit UnionPolk County Credit Union - Home Dividend RatesPolk County Credit Union - Home Dividend Rates · $500 min · 0.40%–0.70% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Offer: Effective as of 7/1/2017
Effective Jul 1, 2017
Rate by balance
Rate by balance for Polk County Credit Union - Home Dividend Rates Balance APY $500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 and up 0.70% Rate checked
More details - Community Choice Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.40%–0.65% by balance
Credit union · 2 branches
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 · 2 branches
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 · 1 branch
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 - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - Capitol View Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.25%–2.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are paid quarterly. Rates are subject to change.
Offer: Average daily balance tier $0 - $19,999.99. Dividends paid quarterly.
0.25% interest rate · Effective Jul 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $20,000Your amount 0.25% $20,000 – $50,000 1.50% $50,000 – $100,000 2.00% $100,000 and up 2.50% Rate checked
More details - Capitol View Credit UnionSavings AccountSavings · $25 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are paid quarterly. Savings rates are tiered based on average daily balance. Requires a $25 minimum savings balance representing membership stake.
0.00% interest rate · Effective Jul 15, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $5,000 0.00% $5,000 – $10,000APY is 0% – 0.10% 0.10%* $10,000 and upYour amountAPY is 0% – 0.25% 0.25%* Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $2.50 monthly maintenance service charge is waived if a $100.00 (or greater) average daily balance is maintained for the month or for individuals under 23 years of age.
Offer: Interest compounded quarterly. Minimum daily balance of $0.01 to obtain APY. Monthly fee waived with $100 average daily balance or if owner is under 23 years of age.
0.25% interest rate · Compounded quarterly · $2.50 monthly fee · Effective Jun 24, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $3 monthly service charge waived with a $200 minimum daily balance.
Offer: $3 monthly service charge waived with a $200 minimum daily balance; variable rate.
0.15% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $4,999 0.15% $5,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.25% $50,000 – $99,999 0.30% $100,000 – $249,999 0.35% $250,000 and up 0.45% 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Minimum balances required to obtain disclosed APY.
Offer: Balance range: $5,000 - $24,999.99
0.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Prime Reserve Account Balance APY $5,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 and up 0.40% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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