Compare Bank & Credit Union Rates
Best savings rates in Iowa
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Iowa
- 2.65%APY$265 a year on $10,000
Requirements
Product: Variable-rate account opened online. Rate tracks the Wall Street Journal Prime Rate minus 4.10% with a minimum floor rate of 0.30%. Enrolled in digital banking with eStatements. Maximum of six withdrawals allowed per month.
Offer: Rate current as of 10/14/2026 on Prime Online Savings page. In order to earn disclosed APY, must maintain average daily balance at least equal to $1,000 and enroll in digital banking with eStatements.
Effective Oct 14, 2026
Rate checked
More details - New Albin Savings BankMoney Market AccountMoney Market Account · $2,500 min · 0.50%–2.63% by balance
Bank · 1 branch
2.63%APY$263 a year on $10,000Requirements
Product: Limit of 6 withdrawals or transfers per month, which include automatic or telephone transfers, checks, drafts or similar orders to third parties.
Offer: Rate reduces to 0.50% (0.50% APY) if average balance for the month falls below $2,500.00. $5 service charge applies if average daily balance falls below $2,500 for the statement cycle.
0.50% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 and upYour amountInterest accrues monthly (or daily per product overview). 2.63% Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Offer: Minimum balance to open is $50.00.
2.50% interest rate · Effective Sep 28, 2026
Rate checked
More details - 2.25%APY$225 a year on $10,000
Requirements
Product: Must be enrolled in eStatements by end of month to earn dividends. Available exclusively to consumer members (business, fiduciary, minor, estate, trust accounts not eligible). Must be opened online via Dupaco's Online Application; limited to one account per SSN. Account balance limited to $1,000,000 inclusive of principal and dividend accruals.
Offer: Requires enrollment in eStatements to receive dividends. Online-only account.
2.23% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Jun 2, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000
Requirements
Product: Minimum deposit of $10.00 is required to open an account. Interest rate and annual percentage yield may change after the account is open. Minimum balance required to obtain the annual percentage yield. Fees could reduce earnings.
0.05% interest rate
Rate by balance
Rate by balance for MONEY MARKET Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 2.02% $25,000 – $100,000 2.25% $100,000 and up 3.04% Rate checked
More details - Luana Savings BankMomentum Money MarketMomentum Money Market · $2,500 min · 1.71%–3.09% by balance
Bank · 6 branches
2.02%APY$202 a year on $10,000Requirements
Product: Must maintain a $2,500 minimum daily balance to avoid a $10/month fee. Variable interest rate; rates and APY may change after opening. Up to 8 withdrawals, transfers, or checks per statement cycle.
Offer: $2,500 minimum daily balance to avoid $10/month fee. Must maintain minimum daily balance to obtain disclosed APY.
1.70% interest rate · $10 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Momentum Money Market Balance APY Up to $10,000 1.71% $10,000 – $50,000Your amount 2.02% $50,000 – $100,000 2.48% $100,000 – $250,000 2.74% $250,000 – $500,000 2.90% $500,000 – $1,000,000 3.04% $1,000,000 – $2,000,000 3.09% $2,000,000 – $5,000,000 3.09% $5,000,000 and up 3.09% Rate checked
More details - Iowa State BankInspire High Yield SavingsSavings · $2,500 min · 2.02%–3.71% by balance
Bank · 3 branches
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 · 3 branches
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 · 3 branches
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 - IH Mississippi Valley Credit UnionMega Money MarketMega Money Market · $2,500 min · 0.75%–3.00% by balance
Credit union · 6 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. $18 monthly fee if balance drops below $2,500. Limit of 6 transactions per month.
Offer: Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address.
Qualified rate · $18 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY Up to $15,000Your amount 2.00% $15,000 – $50,000 3.00% $50,000 – $100,000Tier 4. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 0.75% $100,000 – $250,000Tier 3. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 0.85% $250,000 – $500,000Tier 2. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 1.05% $500,000 and upTier 1. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 1.05% Rate checked
More details - IH Mississippi Valley Credit UnionSavingsBoosterSavings · $0 min · 2.00%–4.00% by balance
Credit union · 6 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate, otherwise non-qualifying rate applies. Unlimited withdrawals.
Offer: Qualifying rate on balance tier $0 - $15,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for SavingsBooster Balance APY Up to $15,000Your amount 2.00% $15,000 – $50,000 3.00% $50,000 – $100,000 3.50% Over $100,000 4.00% 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 - 1.85%APY$185 a year on $10,000
Requirements
Offer: $1.00 maintenance fee if the account falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.
1.84% interest rate · $1 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 1.85%APY$185 a year on $10,000with conditions
Requirements
Product: Must have EVANTAGE Solutions Checking to qualify.
Offer: Must have EVANTAGE Solutions Checking to qualify. $5.00 maintenance fee if the account balance falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.
Qualified rate · 1.84% interest rate · $5 monthly fee · Effective Oct 5, 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 Iowa
440 accounts at 171 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.40%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
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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
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch