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 results in Ames, IA metro
- 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 - 2.00%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 - City State BankAdvantage Money MarketAdvantage Money Market · $10,000 min · 1.00%–3.05% by balance
Bank · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings.
Offer: Requires at least one monthly direct deposit in a City State Bank account. Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings.
1.00% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $10,000 1.00% $10,000 – $100,000Your amount 1.75% $100,000 – $250,000 2.20% $250,000 and up 3.05% Rate checked
More details - Greater Iowa Credit UnionGreater SavingsSavings · $0 min · 0.50%–1.70% by balance
Credit union · 3 branches
1.70%APY$170 a year on $10,000with conditionsRequirements
Product: Must be paired with a Greater Checking account. To qualify for higher dividend rates, the following requirements must post and settle prior to the last business day of the month: at least 20 debit card purchases totaling $100 (PIN or signature based), enrollment in e-statements, and either direct deposit of at least $100/month into Greater Checking or at least one payment made via Greater Iowa bill pay from Greater Checking.
Offer: Qualifying rate on balances up to $50,000 when Greater Checking qualification requirements are met.
Qualified rate · 1.69% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Greater Savings Balance APY Up to $50,000Your amount 1.70% Over $50,000 0.50% Rate checked
More details - Central State BankCSB Money MarketCSB Money Market · $5,000 min · 1.40%–3.25% by balance
Bank · 1 branch
1.40%APY$140 a year on $10,000Requirements
Offer: Minimum daily balance to obtain APY: $25,000.00 or below
1.40% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for CSB Money Market Balance APY Up to $25,000Your amount 1.40% $25,000 – $100,000 1.50% $100,000 – $250,000 1.55% Over $250,000 1.65% Over $500,000 3.25% Rate checked
More details - River Valley Credit UnionMoney Market Share AccountsMoney Market Share Accounts · $5,000 min · 1.36%–1.87% by balance
Credit union · 2 branches
1.36%APY$136 a year on $10,000Requirements
Product: Must maintain a $5,000 minimum balance.
1.35% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $5,000 – $24,999Your amount 1.36% $25,000 and up 1.87% Rate checked
More details - Greater Iowa Credit UnioneMoney MarketeMoney Market · $10,000 min · 1.30%–2.17% by balance
Credit union · 3 branches
1.30%APY$130 a year on $10,000Requirements
Product: Must be enrolled in electronic statements (eStatements) with a valid email address. Rates may vary after the account is opened.
Offer: Must be enrolled in electronic statements (eStatements) with a valid email address.
1.29% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for eMoney Market Balance APY $10,000 and upYour amount 1.30% $25,000 and up 1.35% $50,000 and up 1.51% $100,000 and up 1.71% $250,000 and up 1.92% $500,000 and up 2.17% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Product: Check writing available. Monthly maintenance fee of $12.99 is waived with a $1,000 minimum daily balance.
Offer: Benefits Banking Loyalty Program Platinum Tier (Base Interest Rate + 0.50%). Monthly fee of $12.99 waived with $1,000 minimum daily balance.
1.20% interest rate · $12.99 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $5,000 1.20% $5,000 – $10,000 1.23% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.43% $100,000 and up 1.45% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Product: Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings.
Offer: Rates are variable and subject to change without notice after account is opened. Fees may reduce earnings.
1.00% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 1.00% $2,500 – $25,000Your amount 1.25% $25,000 – $100,000 1.40% $100,000 and up 1.60% Rate checked
More details - Members1st Community Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.01%–2.27% by balance
Credit union · 2 branches
1.16%APY$116 a year on $10,000Requirements
Product: Minimum of $2,500 to open and earn dividends.
Offer: Minimum of $2,500 to earn dividends.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 1.01% $10,000 – $25,000Your amount 1.16% $25,000 – $50,000 1.56% $50,000 – $100,000 1.76% $100,000 – $200,000 2.02% $200,000 and up 2.27% Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: Check writing available. Monthly maintenance fee of $12.99 is waived with a $1,000 minimum daily balance.
Offer: Benefits Banking Loyalty Program Gold Tier (Base Interest Rate + 0.40%). Monthly fee of $12.99 waived with $1,000 minimum daily balance.
1.10% interest rate · $12.99 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $5,000 1.10% $5,000 – $10,000 1.13% $10,000 – $50,000Your amount 1.15% $50,000 – $100,000 1.33% $100,000 and up 1.35% Rate checked
More details - 1.05%APY$105 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: Benefits Banking Loyalty Program Platinum Tier (Base Interest Rate + 0.50%). Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
1.05% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Rates are variable and subject to change without notice after account is opened.
Offer: $10 maintenance fee is applied per statement cycle if minimum daily balance falls below $100. Fees may reduce earnings.
1.00% interest rate · $10 monthly fee · Effective Sep 25, 2026
Rate checked
More details - 0.95%APY$95 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: Benefits Banking Loyalty Program Gold Tier (Base Interest Rate + 0.40%). Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
0.95% interest rate · $6.99 monthly fee · Effective Oct 16, 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 Ames, IA metro
73 accounts at 23 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 1.29%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.10%
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Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch