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 31–45 results in Ames, IA metro
- 0.30%APY$30 a year on $10,000
Requirements
Product: Must be 18+ and an Iowa resident to open online. Minors must open in-branch with an adult. A $6 monthly maintenance fee applies if the balance falls below $200 ($25 for minors). ATM access available when paired with an RSB checking account. Earning interest with funds compounded and paid quarterly.
Offer: $6 monthly fee applies if balance falls below $200.
0.30% interest rate · $6 monthly fee · Effective Oct 13, 2026
Rate checked
More details - Greater Iowa Credit UnionMoney MarketMoney Market · $2,500 min · 0.30%–0.55% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: Rates may vary after the account is opened.
0.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.30% $25,000 and up 0.35% $50,000 and up 0.40% $100,000 and up 0.50% $200,000 and up 0.55% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
Offer: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
0.30% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate checked
More details - Boone Bank & Trust Co.HiFi Money MarketHiFi Money Market · $2,500 min · 0.25%–0.75% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: No monthly service fee assessed by maintaining a $2,500 minimum balance; if balance falls below $2,500 during a statement cycle, a $10 service fee will be assessed. Limited check writing: after three third party transactions, a $5 fee will be assessed per transaction.
Offer: Monthly service fee waived with $2,500 minimum balance.
$10 monthly fee · Effective Jan 14, 2026
Rate by balance
Rate by balance for HiFi Money Market Balance APY Over $0 0.25% $2,500 and upYour amount 0.30% $25,000 and up 0.45% $50,000 and up 0.65% $100,000 and up 0.75% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Children under 18 are exempt from all fees and the required opening deposit is reduced to $50.
Offer: Competitive interest earned on balances of $100 or more. No monthly service fee assessed by maintaining a $100 balance (a $5 service fee is assessed if balance falls below $100 during a statement cycle).
$5 monthly fee · Effective Jan 14, 2026
Rate checked
More details - Premier Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.15%–0.25% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Dividends compounded monthly. $10.00/month fee if balance falls below $2,000 minimum balance.
Offer: Fee of $10.00/month applies if balance falls below $2,000 minimum balance.
0.15% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $100,000 0.25% $100,000 and up 0.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: All accounts are subject to credit qualifications. Sales tax may be applicable. Free ATM card included (in-branch pickup required; replacement cards $20).
Offer: Requires $0.01 minimum average daily balance to earn interest/APY. Interest is compounded in monthly statement cycle. Rates subject to change daily.
0.15% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Offer: No minimum to earn dividends.
0.15% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must be an Iowa resident to apply (or planning to move to Iowa). Monthly maintenance fee of $3.00 applies if balance falls below $300. Activity fee of $0.50 per withdrawal over three per month.
Offer: Interest compounds quarterly. Monthly maintenance fee of $3.00 applies if balance falls below $300.
0.15% interest rate · $3 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest compounded quarterly.
0.15% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Withdrawals limited to 6 per month. A minimum balance fee of $5.00 will be imposed every quarter if the average daily balance for the month falls below $100.
Offer: Minimum balance fee of $5.00 per quarter if average daily balance falls below $100. Withdrawals limited to 6 per month; $0.50 per item fee for withdrawals in excess of 12 per quarter.
0.15% interest rate · Effective Feb 15, 2023
Rate checked
More details - Greater Iowa Credit UnionPrimary SavingsSavings · $50 min · 0.05%–0.10% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: A $5 minimum share balance is required to open and maintain Primary Share/Savings to establish credit union membership.
0.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Over $50 0.05% $2,500 and up 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - Greater Iowa Credit UnionSecondary SharesSavings · $50 min · 0.05%–0.10% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,0000.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Secondary Shares Balance APY Over $50 0.05% $2,500 and up 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary share savings account establishes MEMBERS1st membership with a minimum $5 deposit. Minimum of $100 to earn dividends.
0.10% interest rate · 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
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