Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 of 278 results in Iowa
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.86% by balance
Bank · 8 branches
3.86%APY$386 a year on $10,000Requirements
Product: Interest paid on tiered balances. Debit card access. Monthly service fee waiver option. Fees and charges may reduce earnings.
Offer: Tier I. Listed for accounts opened online; may vary by region.
0.10% interest rate
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II. 3.86% $25,000 – $50,000Tier III. 3.86% $50,000 – $75,000Tier IV. 3.86% $75,000 – $100,000Tier V. 3.86% $100,000 – $1,000,000Tier VI. 3.86% $1,000,000 and upTier VII. 3.86% Rate checked
More details - Peoples BankHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min
Bank · 8 branches
3.85%APY$385 a year on $10,000with conditionsRequirements
Product: In order to qualify for the APY you must have an active consumer checking account with Peoples Bank (average balance of $10,000 or greater or a minimum of 5 eligible transactions post each statement cycle). Internal transfers to/from High Yield Money Market to a consumer checking account are not counted as activity. Existing High Yield Money Market accounts are ineligible for the introductory rate. After 6 months, APY becomes variable. Fees may reduce earnings.
Offer: Special 6-month introductory fixed APY when opened with new money (transferred or brought from another financial institution and not deposited with Peoples Bank for at least 30 days) and an active consumer checking account with Peoples Bank. After 6 months, APY becomes variable and matches the current High Yield Money Market rate.
Qualified rate · Effective Oct 7, 2026
Rate checked
More details - 3.85%APY$385 a year on $10,000
Requirements
Offer: Variable interest rate; interest compounded and credited monthly; calculated using the daily balance method.
No monthly fee · Effective Oct 26, 2026
Rate checked
More details - Capra BankPersonal Money MarketPersonal Money Market · $10,000 min · 0.05%–3.75% by balance
Bank · 1 branch
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Minimum daily balance of $10,000 to avoid monthly maintenance fee. Monthly maintenance fee waived for account owners under age 18 or over age 65. Up to 6 withdrawals per month at no charge; additional fees apply for subsequent withdrawals. Interest rate and APY are based on account balance and included in Rate Sheet.
Offer: Paid any month where the promotional rate requirements are not met during the promotional period.
Qualified rate · 0.05% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY Any balance 0.05% $10,000 and upYour amountOffer available to new customers of Capra Bank on new money. Must have, open and maintain a Summit Checking, G.O.A.T. Checking, or Elevate Checking account. Limited to one household/SSN. Valid on accounts opened by July 31, 2026. Rate may vary after account is opened. After intro period, interest rate converts to applicable rates disclosed in Personal Rate Sheet. 3.75% Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: $15.00 maintenance fee will apply if the account falls below $2,500.00 any day of the statement cycle. Limited transactions account: 6 transfers per cycle, of which 6 may be by check. Regardless of balance, a $5.00 per debit fee will be charged for each transaction in excess of transaction limitations. Interest paid on the entire account balance. Fees subject to state and local option sales tax.
2.96% interest rate · $15 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 3.00% $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.50% $100,000 and up 3.75% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 6 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 29, 2026
Rate checked
More details - 3.17%APY$317 a year on $10,000
Requirements
Product: Six debit transactions permitted per month ($5 fee per excess). $5 monthly print statement fee waived for customers enrolled in e-statements. No minimum to open. Variable rate tiered based on average daily balance.
Offer: Tiered rate based on average daily balance. Interest compounded and credited monthly. Variable rate. $5 print statement fee waived if enrolled in e-statements. Excess debit transactions over 6 cost $5 each.
0.50% interest rate · $5 monthly fee
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $5,000 0.50% $5,000 – $100,000Your amountStated blended APY range is 0.50 – 3.03%. 3.17%* $100,000 and upStated blended APY range is 3.03 – 1.17%. 1.16%* Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Offered through Alto, a trade name used by BMO Bank N.A. Accounts subject to approval. Account must be funded within 90 days or it will be closed. Accounts with a zero balance for 90 consecutive days will be closed. Unlimited transfers and withdrawals.
Offer: Variable rate account. Interest rates and APYs may change at any time after the account is opened. Unlimited transfers and withdrawals.
No monthly fee · Effective Oct 30, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per Social Security Number. No recurring monthly maintenance fees.
Offer: Base rate applied to entire daily balance when linked Kasasa Cash or Kasasa Cash Back qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 19, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $100,000Your amountWhen linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 1 Direct Deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases, and enrolled in eStatements during monthly qualification cycle). 3.00% Over $100,000 0.25%* Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: New or existing account or line of service with us is required to qualify/open. Monthly maintenance service charge of $2.50 waived if account owner is under 23 years of age or a $100 average daily balance is maintained for the month.
Offer: Interest compounded quarterly. No set term / no maximum deposit value. Minimum to obtain APY is $2,500. $2.50 monthly maintenance service charge waived if account owner is under 23 years of age or $100 average daily balance is maintained.
Compounded quarterly · $2.50 monthly fee · Effective Jun 24, 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 - 5.12%APY$258 a year on $10,0002.58% on $10,000with conditions
Requirements
Product: Must have Snap $tack Checking with $1,000.00 minimum average balance and Online/Mobile Banking with e-Statements. One debit card transaction and two auto transfers (ACH or Direct Deposit) required during qualification period (27th of the month through 26th of following month) to receive APY of 5.12% on the first $5,000. If qualifications are not met or on balances above $5,000.01, interest rate and APY is 0.05%.
Offer: To qualify for highest rate, requires Online/Mobile Banking with e-Statements, $1,000.00 minimum average balance in Snap $tack Checking, 1 debit card transaction, and 2 auto transfers per qualification period. Portion of balance up to $5,000 earns 5.12% APY.
Qualified rate · 5.00% interest rate · Effective Nov 2, 2026
Rate by part of balance
Rate by balance for Snap $tack Savings Balance APY Up to $5,000 5.12% Over $5,000If qualifications not met, interest rate and APY is 0.05%. 0.05% Each rate is paid on the part of the balance in its range.
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Paired with Real Cash Back Checking. Subject to credit approval. Qualification requirements shared from qualification cycle.
Offer: When qualifications are met on Real Cash Back Checking account during a Monthly Qualification Cycle. Rate paid on portion of daily balances below $15,000.01.
Qualified rate · 2.47% interest rate · Effective Jun 1, 2026
Rate by part of balance
Rate by balance for Real Cash Back Savings Balance APY Up to $15,000 2.50% Over $15,000APY ranges from 0.33% to 2.50% depending on balance. 0.01% Each rate is paid on the part of the balance in its range.
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Paired with Real Rewards Checking. Requires eStatements, Direct Deposit, and 10 debit transactions posted and cleared per qualification cycle to earn qualified rates. Subject to credit approval.
Offer: When qualifications are met on Real Rewards Checking during qualification cycle (eStatements, Direct Deposit, 10 debit transactions posted and cleared). Rate paid on portion of daily balances below $50,000.01.
Qualified rate · 2.47% interest rate · Effective Jun 1, 2026
Rate by part of balance
Rate by balance for Real Saver Savings Balance APY Up to $50,000 2.50% Over $50,000When qualifications are met on Real Rewards Checking during qualification cycle. APY ranges from 0.84% to 2.50% depending on balance. 0.01% Each rate is paid on the part of the balance in its range.
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
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
281 accounts at 112 banks and credit unions · checked Nov 6
- Typical
- 0.30%
- Top 10% from
- 1.60%
- Banks, typical
- 0.30%
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Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Advantage Credit UnionCredit union · 1 branch
- Serve Credit UnionCredit union · 2 branches
- Collins Community Credit UnionCredit union · 9 branches