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 121–135 results in Iowa
- Union State BankMoney Market AccountMoney Market Account · $100 min · 0.20%–1.26% by balance
Bank · 3 branches
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 - Community 1st Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.70%–1.75% by balance
Credit union · 23 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 - 0.65%APY$65 a year on $10,000
0.55% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Hi-Fi Balance APY Up to $2,500 0.55% $2,500 – $25,000Your amount 0.65% $25,000 – $100,000 0.75% $100,000 – $300,000 0.85% $300,000 – $500,000 0.95% Over $500,000 1.05% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Offer: Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $5 monthly service charge waived if minimum daily balance of $250 is met. Includes 6 free withdrawals or debits per month ($3 for each additional).
0.65% interest rate · $5 monthly fee · Effective Oct 9, 2026
Rate checked
More details - 0.65%APY$65 a year on $10,000with conditions
Requirements
Product: Linked to checking account to help cover balance and protect from overdrafts. Automatically transfers funds to checking account in $50 increments to cover Non-Sufficient Funds ($2.00 per transfer to NSF checking). No minimum balance.
Qualified rate · 0.40% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Reserve Savings Balance APY Up to $2,500 0.40% $2,500 and upYour amount 0.65% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: No minimum balance.
0.40% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Balance Builder Savings Balance APY Up to $2,500 0.40% $2,500 and upYour amount 0.65% 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 · 11 branches
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 - Westside State BankMoney Market AccountMoney Market Account · $2,500 min · 0.60%–2.17% by balance
Bank · 5 branches
0.65%APY$65 a year on $10,000Requirements
Product: Avoid the $10 monthly service fee by maintaining a $2,500 minimum daily balance. Even if balance drops below $2,500, interest will still be paid at the current first tier interest rate ($1-$2,499). Direct check writing available.
Offer: Avoid $10 monthly service fee by maintaining a $2,500 minimum daily balance; if balance drops below $2,500, interest is still paid at this first tier rate ($1-$2,499).
0.60% interest rate · $10 monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.60% $2,500 – $25,000Your amount 0.65% $25,000 – $100,000Avoid $10 monthly service fee by maintaining a $2,500 minimum daily balance. 0.65% $100,000 – $250,000Avoid $10 monthly service fee by maintaining a $2,500 minimum daily balance. 0.75% $250,000 – $500,000Avoid $10 monthly service fee by maintaining a $2,500 minimum daily balance. 0.75% $500,000 and upAvoid $10 monthly service fee by maintaining a $2,500 minimum daily balance. 2.17% Rate checked
More details - Family Community FCUSuper Saver TieredSavings · $5,000 min · 0.55%–0.75% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Minimum of $50.00 is required in accounts to earn a dividend. Rates are subject to change without prior notice.
0.55% interest rate · Effective Jan 20, 2026
Rate by balance
Rate by balance for Super Saver Tiered Balance APY $5,000 and up 0.55% $10,000 and upYour amount 0.65% $20,000 and up 0.75% Rate checked
More details - Farmers & Merchants State BankF&M Money MarketF&M Money Market · $50 min · 0.35%–2.20% by balance
Bank · 5 branches
0.65%APY$65 a year on $10,000Requirements
Offer: The minimum balance required to obtain the APY is $0.01.
0.35% interest rate
Rate by balance
Rate by balance for F&M Money Market Balance APY Up to $5,000 0.35% $5,000 – $25,000Your amount 0.65% $25,000 – $100,000 1.00% $100,000 – $250,000 1.15% $250,000 – $1,000,000 1.25% $1,000,000 and up 2.20% Rate checked
More details - Vision Bank of Iowa.Money Market AccountMoney Market Account · $2,500 min · 0.50%–0.95% by balance
Bank · 13 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rates on balances $2,500.00 and above. $2,500.00 minimum daily balance required to waive $10.00 monthly service charge. $50.00 minimum opening deposit required.
Offer: $10.00 monthly service charge waived if $2,500.00 minimum daily balance is maintained.
0.50% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.65% $25,000 – $50,000 0.75% $50,000 – $100,000 0.80% $100,000 and up 0.95% Rate checked
More details - 0.61%APY$61 a year on $10,000
Requirements
Product: Interest compounded and paid quarterly. Low maintenance fee of $1/month if balance drops below $50.00. Up to 6 withdrawals per month.
Offer: Compound Frequency Quarterly. Monthly fee of $1 applies if balance drops below $50.00.
0.61% interest rate · $1 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Fidelity BankMoney Market AccountsMoney Market Accounts · $1,000 min · 0.30%–1.50% by balance
Bank · 3 branches
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
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 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%
Is your bank paying you enough?
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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