Compare Bank & Credit Union Rates
Best savings rates in Mason City, 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 Mason City, IA
- CENT Credit UnionCheers Money MarketCheers Money Market · $5,000 min · 3.55%–5.00% by balance
Credit union · 1 branch
3.55%APY$355 a year on $10,0003.49% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Cheers Money Market Balance APY $5,000 – $25,000Your amount 3.55% $25,000 – $50,000 3.60% $50,000 – $75,000 3.65% $75,000 – $100,000 3.70% $100,000 – $200,000 3.75% $200,000 – $500,000 4.00% $500,000 – $1,000,000 4.25% $1,000,000 and up 5.00% 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: Must have an open share account to access other savings products.
Offer: Minimum $1,000 balance. Rates subject to change after opening without prior notice.
1.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Tiered minimum balance required to open and maintain account. $10/month service charge if balance falls below $10,000; lowest tier balance must be met to avoid service charge.
Offer: Daily balance below $10,000 incurs $10/month service charge. Interest accrues daily and credited bi-annually. Rates subject to change daily without notice.
0.00% interest rate · $10 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Premium Savings Balance APY Up to $10,000 0.00% $10,000 – $49,999Your amount 1.00% $50,000 – $99,999 1.16% $100,000 – $249,999 1.26% $250,000 – $999,999 1.66% $1,000,000 – $1,999,999 3.04% $2,000,000 and up 3.30% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Dividends are earned monthly. Rates are subject to change at every dividend period (30 days). No time restrictions.
Offer: Dividends are earned monthly. Minimum balance of $500.00.
1.00% interest rate · Effective Jul 25, 2025
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends are calculated using Average Daily Balance (p12) / calculated and compounded daily (p17), paid monthly. No minimum balance requirements, not even to open. No monthly fees. No withdrawal limits except 6 withdrawals or transfers by pre-authorized, automatic or telephone transfers per period.
0.50% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $50,000Your amount 0.50% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 and up 2.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Earns tiered interest compounded and paid monthly on daily collected balance of $10,000 or more. $25.00 monthly service charge waived with $10,000 average collected balance.
Offer: $25.00 monthly maintenance fee assessed if minimum average collected balance of $10,000 is not met.
0.00% interest rate · $25 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. 0.35% $100,000 – $250,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. 1.21% $250,000 – $1,000,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. 1.76% $1,000,000 – $2,000,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. 2.73% $2,000,000 – $5,000,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. 3.14% $5,000,000 and up$25.00 monthly fee waived by maintaining a $10,000 average collected balance. 3.68% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must have an open share account to access other savings products.
Offer: Minimum $50 balance. Rates subject to change after opening without prior notice.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $5 monthly service charge if balance falls below $100 minimum balance required; service charge waived if minimum balance requirement met.
Offer: Daily balance of $100 to avoid account fee. Interest accrues daily and credited bi-annually. $5 monthly service charge if balance falls below $100; waived if minimum balance requirement met.
0.10% interest rate · $5 monthly fee · Effective Sep 25, 2026
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - North Iowa Community Credit UnionMembership Savings AccountSavings · $25 min
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open to residents or workers in Butler, Cerro Gordo, Franklin, Floyd, Hancock, Mitchell, Winnebago, Worth, or Wright County, IA, or eligible family members. Initial $25 deposit ($5 for members under 16) is required to open and must remain in the account to maintain membership.
Offer: Rates subject to change after opening without prior notice. Minimum $25 to open ($5 for members under 16).
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.
0.05% interest rate · Effective Oct 1, 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 Mason City, IA
22 accounts at 7 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 1.90%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
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