Compare Bank & Credit Union Rates
Best savings rates in West Des Moines, IA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in West Des Moines, IA
- 1.11%APY$111 a year on $10,000
Requirements
Product: Consumer account. Minimum balance fee of $5.00/month applies if balance falls below $2,500.00 on any day of the statement cycle. Interest compounds and credits monthly.
Offer: Applies to daily balance under $2,500.00. $5.00/month fee if balance falls below $2,500.00 on any day of the statement cycle. Interest compounds and credits monthly.
1.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Super Savings Balance APY Up to $2,500 1.06% $2,500 – $20,000Your amount 1.11% $20,000 and up 1.16% Rate checked
More details - 1.05%APY$105 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: Benefits Banking Loyalty Program Platinum Tier (Base Interest Rate + 0.50%). Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
1.05% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - 1.05%APY$105 a year on $10,000
Requirements
Product: Minimum balance requirements waived for customers under 18 or 65 and older. Minimum balance fee of $5.00/quarter applies if balance falls below $100.00 on any day of the statement cycle. Interest compounds and credits quarterly.
Offer: Interest calculated using the daily balance method, compounded and credited quarterly.
1.05% interest rate · Effective Oct 5, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Rate is variable and subject to change after account opening. $10 monthly service charge waived with a $2,000 minimum daily balance. Six free transactions per monthly statement cycle ($10 per additional transaction).
Offer: $10 monthly service charge waived with a $2,000 minimum daily balance.
0.50% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.50% $10,000 – $99,999Your amount 1.00% $100,000 – $499,999 1.46% $500,000 – $999,999 1.76% $1,000,000 – $9,999,999 2.53% $10,000,000 and up 2.53% Rate checked
More details - 0.95%APY$95 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: Benefits Banking Loyalty Program Gold Tier (Base Interest Rate + 0.40%). Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
0.95% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.90%APY$90 a year on $10,000
Requirements
Product: $7.50 Monthly Maintenance Fee waived with total relationship balance of $15,000 or more in loans, deposits or a combination with Northwest Bank, or minimum daily balance of $1,000 maintained in this account.
Offer: $7.50 Monthly Maintenance Fee waived with total relationship balance of $15,000 or more in loans, deposits or a combination with Northwest Bank, or minimum daily balance of $1,000 maintained in this account.
0.90% interest rate · $7.50 monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $50,000Your amount 0.90% $50,000 – $100,000 1.16% $100,000 – $250,000 1.66% $250,000 – $500,000 1.87% $500,000 and up 2.02% Rate checked
More details - 0.90%APY$90 a year on $10,000with conditions
Requirements
Product: Requires a Compass Rewards Account or Compass Cash Account. No monthly maintenance fee. No minimum balance requirement after opening.
Offer: Balances up to $20,000. Requires Compass Rewards or Compass Cash.
Qualified rate · 0.90% interest rate · No monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Compass Savings Balance APY Up to $20,000Your amount 0.90% Over $20,000Stated APY 0.90%-0.51%; 0.51% APY based on a $50,000 balance; higher balances have a lower APY. 0.25%* Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Product: $1,000 minimum daily balance to avoid $12.50 monthly fee. Avoid $5 monthly paper statement fee by enrolling in free eStatements. Interest compounded monthly.
Offer: $12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly.
0.85% interest rate · Compounded monthly · $12.50 monthly fee · Effective Nov 12, 2024
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.85% $25,000 – $75,000 1.00% $75,000 – $250,000 1.87% $250,000 and up 2.40% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 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: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
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 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.80%APY$80 a year on $10,000
Requirements
Product: Effective date: September 30, 2026. Variable interest rate. Rate varies by balance. Monthly fee $7 if minimum balance not met.
Offer: Balance under $2,500.
0.20% interest rate · $7 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $2,499 0.20% $2,500 – $9,999 0.25% $10,000 – $24,999Your amount 0.80% $25,000 and up 0.90% Rate checked
More details - Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min
Credit union · 1 branch
0.75%APY$75 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: Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
0.75% interest rate · Effective Feb 1, 2024
Rate checked
More details - Collins Community Credit UnionMoney Market PlusMoney Market Plus · $1,000 min · 0.01%–2.35% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Must meet membership eligibility requirements. Minimum balance fee assessed if balance is below $1,000.00.
Offer: $1,000.00 minimum balance required to earn APY; minimum balance fee assessed if balance is below $1,000.00.
0.01% interest rate
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $1,000 0.01% $1,000 – $10,000 0.05% $10,000 – $50,000Your amountRequires $1,000.00 minimum balance to earn APY; 0.75% $50,000 – $100,000Requires $1,000.00 minimum balance to earn APY; 1.35% $100,000 – $250,000Requires $1,000.00 minimum balance to earn APY; 1.65% $250,000 – $500,000Requires $1,000.00 minimum balance to earn APY; 1.94% $500,000 – $1,000,000Requires $1,000.00 minimum balance to earn APY; 2.15% $1,000,000 and upRequires $1,000.00 minimum balance to earn APY; 2.35% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Check writing available. Monthly maintenance fee of $12.99 is waived with a $1,000 minimum daily balance.
Offer: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $12.99 waived with $1,000 minimum daily balance.
0.70% interest rate · $12.99 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $5,000 0.70% $5,000 – $10,000 0.73% $10,000 – $50,000Your amount 0.75% $50,000 – $100,000 0.93% $100,000 and up 0.95% Rate checked
More details - Financial Plus Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.05% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: No fee for being below the minimum balance. No monthly service fee. Minimum average daily balance of $1,000 to earn dividends. Dividends compounded daily, paid monthly. Tiered rate account where the rate applies to the full balance once a balance range is met.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $75,000 0.95% $75,000 and up 1.05% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: Variable rate. Savings accounts compound semi-annually.
0.70% interest rate · Effective Sep 30, 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 West Des Moines, IA
90 accounts at 29 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 1.48%
- Banks, typical
- 0.28%
- Credit unions, typical
- 0.10%
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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