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 31–45 results in West Des Moines, IA
- Union State BankMoney Market AccountMoney Market Account · $100 min · 0.20%–1.26% by balance
Bank · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Variable interest rate. Interest compounds monthly. Six withdrawal/transfer limitations apply per statement cycle.
Offer: Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit.
0.20% interest rate · $7 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.20% $2,500 and up 0.30% $10,000 and upYour amount 0.70% $25,000 and up 1.26% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: APY not published for this product. Opening minimum and fees not stated.
0.70% interest rate · Effective Dec 19, 2025
Rate by balance
Rate by balance for Estate Savings Balance APY Up to $20,000Your amount 0.70%* $20,000 – $50,000 0.80%* $50,000 – $100,000 0.90%* $100,000 – $500,000 1.01%* $500,000 – $1,000,000 1.36%* $1,000,000 and up 1.61%* Rate checked
More details - Fidelity BankMoney Market AccountsMoney Market Accounts · $1,000 min · 0.30%–1.50% by balance
Bank · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Personal and business accounts. The interest rate and Annual Percentage Yield (APY) depend upon the applicable rate tier and are subject to change daily. All accounts are subject to credit qualifications. Sales tax may be applicable.
Offer: Average daily balance to earn APY: $1,000. All accounts are subject to credit qualifications. Sales tax may be applicable.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY $1,000 – $10,000 0.30% $10,000 – $25,000Your amountStated interest rate is 060%. 0.60% $25,000 – $100,000 1.00% $100,000 – $200,000 1.25% $200,000 and up 1.50% 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 - First National BankMoney Market SavingsMoney Market Savings · $0 min · 0.55%–0.90% by balance
Bank · 3 branches
0.55%APY$55 a year on $10,000Requirements
Product: Tiered interest rates. Interest compounds monthly. $1,000 minimum balance to avoid monthly fees. Checks available upon request.
Offer: $1,000 minimum balance to avoid monthly fees.
0.55% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.55% $25,000 – $99,999 0.65% $100,000 – $249,999 0.75% $250,000 and up 0.90% 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 - 0.55%APY$55 a year on $10,000
Requirements
Product: $2 monthly maintenance fee waived when average daily balance for the month is above $50. Free paper statement available.
Offer: $2 monthly maintenance fee waived when average daily balance for the month is above $50.
0.40% interest rate · $2 monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $10,000 0.40% $10,000 and upYour amount 0.55% 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 - 0.45%APY$45 a year on $10,000
Requirements
Product: Minimum balance to open account is $10.00. Avoid a $7 monthly service charge by maintaining a balance of $1,000 or more.
Offer: Minimum balance to obtain APY is $0.01. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more.
0.31% interest rate · $7 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.31% $1,000 – $50,000Your amount 0.45% $50,000 – $100,000 0.65% $100,000 – $500,000 0.81% $500,000 and up 1.10% Rate checked
More details - 0.43%APY$43 a year on $10,000
Requirements
Product: Minimum balance to open account is $10.00. $15 monthly service charge if balance falls below $25,000.
Offer: Minimum balance to obtain APY is $0.01. $15 monthly service charge if balance falls below $25,000.
0.43% interest rate · $15 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $25,000Your amount 0.43% $25,000 – $100,000 0.73% $100,000 – $250,000 1.09% $250,000 – $1,000,000 1.20% $1,000,000 and up 1.37% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
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 - 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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