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 46–60 results in Des Moines, IA
- 0.15%APY$15 a year on $10,000
Requirements
Product: Opened with an initial membership deposit. Interest compounds daily and is credited monthly.
Offer: Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum balance required to open. No maximum amount of Secondary Savings accounts per membership. Interest compounds daily and is credited monthly.
Offer: Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.
0.15% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest paid quarterly. Free ATM card. 6 free withdrawals per calendar month ($8 fee per withdrawal in excess of 6).
Offer: Monthly fee of $1.50 waived when you maintain a $100 balance.
$1.50 monthly fee · Effective Jan 13, 2025
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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a member to open an account. Minimum $5 share deposit to establish membership.
Offer: Minimum $5 balance to open; on all balances over $50.
No monthly fee
Rate checked
More details - Greater Iowa Credit UnionPrimary SavingsSavings · $50 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: A $5 minimum share balance is required to open and maintain Primary Share/Savings to establish credit union membership.
0.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Over $50 0.05% $2,500 and up 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - Greater Iowa Credit UnionSecondary SharesSavings · $50 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,0000.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Secondary Shares Balance APY Over $50 0.05% $2,500 and up 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - First Mid Bank & TrustMoney Market AccountMoney Market Account · $50 min · 0.05%–0.50% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Interest earned on the full daily balance by tier. Interest rate and APY may change after account opening. $10 monthly maintenance fee if the daily minimum balance falls below $5,000 during a statement cycle. $2 paper statement fee per statement cycle, waived for age 50 or older or by signing up for eStatements.
Offer: Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated).
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.20% $50,000 and up 0.50% Rate checked
More details - IH Mississippi Valley Credit UnionRegular SavingsSavings · $5 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Member savings account required to establish membership. Retail accounts only. $25 minimum balance required to earn dividends. Unlimited withdrawals.
Offer: Tier 3. $25 minimum balance required to earn dividends.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $2,500 0.05% $2,500 – $25,000Your amountTier 2. 0.10% $25,000 and upTier 1. 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Sub-savings accounts designed to live alongside primary Membership Share. Enjoys the exact same terms and interest rates as primary Membership Share Account.
Offer: Shares the same rate and terms as the primary Membership Share account.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Investing $25 in a share savings account buys a share of First Class Community Credit Union and makes you a member-owner.
0.10% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Avoid the $2.00 paper statement fee each month by enrolling in eStatements. 6 free withdrawals per month; $1 fee for withdrawals in excess thereafter.
Offer: Compounded quarterly and paid quarterly.
0.10% interest rate · Compounded quarterly · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $5 monthly service charge waived if a $200 minimum daily balance is maintained in the month, or for clients under 24 years of age. $10 fee for excess withdrawals over 6 per month.
0.05% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.25% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $1.00 to open and maintain account. Payroll deduction available.
Offer: No minimum balance required.
0.10% interest rate
Rate checked
More details - Financial Plus Credit UnionShare SavingsSavings · $0 min · 0.00%–0.10% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Must maintain a $25.00 balance. Three free withdrawals per month. Balance of $50 or more earns dividends. Dividends are compounded daily, paid monthly.
0.00% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Savings Balance APY Up to $50 0.00% $50 and upYour amountMinimum $25.00 balance required. 0.10% 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