Best savings rates in Iowa

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: Standard rate for any balance without relationship rate qualification.

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: Standard interest rate and APY across all balance levels without qualifying relationship product.

Requirements

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: Non-qualifying rate applied when monthly qualifications are not met. No minimum balance required.

Requirements

Product: Interest on balances over $100. Minimum average monthly balance of $100. Unlimited withdrawals and deposits per month. Available for FREE eStatements; monthly paper statement fee is $2.

Offer: Interest rate for balances over $100. Minimum average monthly balance of $100. Monthly paper statement fee of $2; free eStatements.

Requirements

Product: For account holders 18 and older, $100 minimum to open and $3.00 monthly service charge if minimum daily balance of $100 is not met. For account holders 17 and under, $1.00 minimum to open and no monthly service charge. Rate is subject to change after account opening. Fees may reduce earnings.

Offer: For account holders 17 years of age and under. No monthly service charge. Earns 0.05% APY on all balances.

Requirements

Product: For account holders 18 and older, $100 minimum to open and $3.00 monthly service charge if minimum daily balance of $100 is not met. For account holders 17 and under, $1.00 minimum to open and no monthly service charge. Rate is subject to change after account opening. Fees may reduce earnings.

Offer: For account holders 18 years of age and older. No monthly service charge with $100 minimum daily balance; $3.00 monthly service charge if minimum balance requirements are not met. Earns 0.05% APY on all balances.

Requirements

Product: Variable Rate Account. The rate may change after the account is opened. Fees could reduce earnings. Fees charged on balances below $500.

Offer: Variable Rate Account. Fees charged on balances below $500. Fees could reduce earnings.

Requirements

Product: Dormant fee of $7.00 when account is inactive for 6 months with a balance less than $500.00.

Offer: Variable Rate Account. The rate may change after the account is opened. Fees could reduce earnings.

Requirements

Product: Must have a STAR Checking account to open. Limit one STAR Checking and one STAR Savings per Social Security Number. Early closure fee of $30 applies if STAR checking account is closed within 6 months.

Offer: Base rate earned on all balances if STAR Checking requirements are not met.

Requirements

Product: A special savings account for University of Iowa employees with special discounts. Limit of one Employee Advantage account type per individual. If direct deposit from an Employee Advantage company is discontinued, the account converts to a regular Savings account. Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. ChexSystems reports may be pulled for new customers.

Offer: Interest rates may change after account is open. Fees could reduce earnings. APY is based on monthly compounding. ChexSystems reports may be pulled for new customers. Limit of one Employee Advantage account type per individual. If direct deposit from an Employee Advantage company is discontinued, the account converts to a regular Savings account.

Requirements

Product: Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.

Offer: Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.

Requirements

Product: Basic savings account for lower balances and first-time savers. $5 minimum balance fee assessed monthly when daily balance falls below $200. $5 monthly paper statement fee can be avoided by enrolling in free eStatements. Debit cards available upon request. Interest compounded monthly.

Offer: Applies to all balances. $5 monthly fee if daily balance falls below $200. $5 paper statement fee waived with eStatements. Interest compounded monthly.

Requirements

Product: Must have a linked Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number. Not for commercial purposes.

Offer: Base rate applies to entire daily balance if Monthly Qualification Cycle requirements are not met on linked account.

Requirements

Product: This is your basic Savings Account which gives you ownership and Membership privileges with Iowa Heartland Credit Union. A minimum of $25.00 must stay in this account at all times.

Offer: Minimum $1.00 for rate/APY. A $10.00 fee applies if share account is closed in first 60 days.

Requirements

Offer: Maintenance fee of $1.00 per withdrawal after 6 per statement cycle.