Compare Bank & Credit Union Rates
Best savings rates in Ottumwa, 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 Ottumwa, IA
- Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $5,000 0.15% $5,000 and upYour amountLevel 2: All-In Member Pricing (requires 21+ debit or credit card transactions/month and >=$1,500 in direct/mobile deposits within last 31 days). 3.25% Rate checked
More details - Iowa State BankInspire High Yield SavingsSavings · $2,500 min · 2.02%–3.71% by balance
Bank · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: 6 free debits per month; $5 per excess debit thereafter. $14 monthly service fee waived by maintaining a $2,500 minimum daily balance. Balances under $2,500 earn Statement Savings account rate.
Offer: $14 monthly fee waived with $2,500 minimum daily balance.
2.00% interest rate · $14 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Inspire High Yield Savings Balance APY $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $500,000 3.30% $500,000 and up 3.71% Rate checked
More details - Iowa State BankPersonal High Yield SavingsSavings · $2,500 min · 2.02%–3.71% by balance
Bank · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: 6 free debits per month; $5 per excess debit. $14 monthly service fee waived by maintaining a $2,500 minimum daily balance. Balances under $2,500 earn Statement Savings account rate.
Offer: $14 monthly fee waived with $2,500 minimum daily balance.
2.00% interest rate · $14 monthly fee
Rate by balance
Rate by balance for Personal High Yield Savings Balance APY $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $500,000 3.30% $500,000 and up 3.71% Rate checked
More details - Iowa State BankImpact High Yield SavingsSavings · $2,500 min · 0.50%–3.71% by balance
Bank · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: 6 free debits per month; $5 per excess debit. $14 monthly service fee waived with $2,500 minimum daily balance. Balances under $2,500 earn 0.50% APY / Statement Savings rate.
Offer: Earns 0.50% APY on balances below $2,500. $14 monthly fee applies when balance is below $2,500.
$14 monthly fee
Rate by balance
Rate by balance for Impact High Yield Savings Balance APY Up to $2,500 0.50% $2,500 – $25,000Your amount 2.02% $25,000 – $100,000$14 monthly fee waived with $2,500 minimum daily balance. 2.53% $100,000 – $500,000$14 monthly fee waived with $2,500 minimum daily balance. 3.30% $500,000 and up$14 monthly fee waived with $2,500 minimum daily balance. 3.71% 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 $10,000with conditions
Requirements
Product: Free e-statements or $3 monthly paper statement. $100 minimum deposit to open, or $5 when combined with Inspire Checking Account.
Offer: $5 minimum opening deposit when combined with Inspire Checking Account.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - River Community CURiver Community CU Money MarketRiver Community CU Money Market · $2,500 min · 0.75%–1.40% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Minimum deposit of $2,500.00 to open; Funds can be withdrawn at any time without penalty.
Offer: Balance tier: Up to $15,000.
0.75% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for River Community CU Money Market Balance APY $2,500 – $15,000Your amount 0.75% $15,001 – $25,000 0.85% $25,001 – $50,000 0.95% $50,001 – $100,000 1.15% $100,001 and up 1.40% Rate checked
More details - Community 1st Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.70%–1.75% by balance
Credit union · 4 branches
0.70%APY$70 a year on $10,000Requirements
Product: Dividends are calculated by the daily balance method and compounded monthly. Minimum daily balance to earn must be maintained each day to obtain disclosed APY (fee if balance drops below minimum). Rates may vary after account opening.
Offer: Minimum daily balance to earn must be maintained each day to obtain disclosed APY.
0.70% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.70% $25,001 and up 0.85% $50,001 and up 1.15% $100,001 and up 1.40% $250,001 and up 1.75% Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $0 min · 0.40%–3.40% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.40% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY Up to $5,000 0.40% $5,000 – $10,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.55% $10,000 – $20,000Your amountLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.65% $20,000 – $50,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.50% $50,000 – $75,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.55% $75,000 – $100,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.60% $100,000 – $250,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.00% $250,000 – $500,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.30% $500,000 and upLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.40% Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $5,000 min · 0.45%–3.00% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.45% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY $5,000 – $10,000 0.45% $10,000 – $20,000Your amount 0.55% $20,000 – $50,000 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.50% $100,000 – $250,000 2.40% $250,000 – $500,000 2.90% $500,000 and up 3.00% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must be linked to either a C1st Cash or C1st Cash Back checking account. To qualify per monthly qualification cycle, you must: 1) make 15 debit card (non-ATM) transactions; and 2) be enrolled in and receive eStatements. Monthly qualification cycle is defined as the calendar month.
Offer: Qualifications not met in either checking account; all balances in the C1st Saver earn 0.03% APY.
Qualified rate · 0.03% interest rate
Rate by balance
Rate by balance for C1st Saver Balance APY Any balance 0.03% Up to $15,000Your amountQualifications met (15 debit card non-ATM transactions and eStatements enrolled/received). 0.50% $15,001 and upQualifications met. Balances over $15,000 earn 0.25% APY on the portion of the balance over $15,000, resulting in 0.50% APY to 0.28% APY depending on the balance. 0.25% Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.45% interest rate · No monthly fee
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Must be a member of River Community Credit Union ($5 minimum balance required to be a member).
Offer: $5.00 to open, $100.00 balance to earn APY.
0.35% interest rate
Rate checked
More details - River Community CURiver Community CU Money MarketRiver Community CU Money Market · $2,500 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Minimum deposit of $2,500.00 to open; Funds can be withdrawn at any time without penalty.
Offer: Balance tier: Up to $15,000.00; Minimum deposit of $2,500.00 to open.
0.30% interest rate
Rate by balance
Rate by balance for River Community CU Money Market Balance APY $2,500 – $15,000Your amount 0.30% $15,001 – $25,000 0.40% $25,001 – $49,000 0.45% $50,001 and up 0.50% 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 Ottumwa, IA
29 accounts at 7 banks and credit unions · checked Oct 5–22
- Typical
- 0.30%
- Top 10% from
- 2.02%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.33%
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Ottumwa, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Empeople Credit UnionCredit union · 1 branch
- Iowa State BankBank · 1 branch