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 Cedar Rapids, IA metro
- Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min
Credit union · 4 branches
3.05%APY$305 a year on $10,000Requirements
Product: Requires $1,000.00 initial minimum new money deposit to open. Must meet membership eligibility requirements. Subject to early closure fee and monthly minimum balance fee.
Offer: Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
3.02% interest rate
Rate checked
More details - 2.25%APY$225 a year on $10,000
Requirements
Product: Must be enrolled in eStatements by end of month to earn dividends. Available exclusively to consumer members (business, fiduciary, minor, estate, trust accounts not eligible). Must be opened online via Dupaco's Online Application; limited to one account per SSN. Account balance limited to $1,000,000 inclusive of principal and dividend accruals.
Offer: Requires enrollment in eStatements to receive dividends. Online-only account.
2.23% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Jun 2, 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 - Farmers State BankMoney Market AccountMoney Market Account · $1,000 min · 1.25%–2.70% by balance
Bank · 7 branches
1.50%APY$150 a year on $10,000Requirements
Product: Minimum opening deposit of $1,000. $6 monthly maintenance fee waived by maintaining a $1,000 daily balance. Allows up to 6 transfers per statement cycle/month, including checks, with unlimited in-person withdrawals and ATM transactions. Also applies to corresponding Connect Club Accounts.
Offer: Avoid the $6 monthly maintenance fee by maintaining a $1,000 daily balance.
1.24% interest rate · $6 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 1.25% $10,000 – $50,000Your amount 1.50% $50,000 – $100,000 1.75% $100,000 – $249,999 2.55% $250,000 and up 2.70% Rate checked
More details - GreenState Credit UnionImpact Money MarketImpact Money Market · $2,500 min · 1.45%–2.45% by balance
Credit union · 4 branches
1.45%APY$145 a year on $10,000Requirements
Product: Membership required with a minimum $5 share deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 6 per month. Minimum $2,500 daily balance to avoid $10 monthly service fee.
Offer: Minimum $2,500 daily balance to avoid $10 monthly service fee.
$10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Impact Money Market Balance APY $2,500 – $49,999Your amount 1.45% $50,000 – $99,999 1.65% $100,000 – $249,999 1.85% $250,000 – $499,999 2.05% $500,000 – $999,999 2.25% $1,000,000 and up 2.45% Rate checked
More details - 1.40%APY$140 a year on $10,000
Requirements
Offer: Daily balance below $10,000. Compounding & crediting frequency monthly.
0.50% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for HiFi Account Balance APY Up to $10,000 0.50% $10,000 – $100,000Your amount 1.40% $100,000 – $250,000 1.80% $250,000 and up 2.20% Rate checked
More details - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 2 branches
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% 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 - Corda Credit UnionHigh-Yield Money MarketHigh-Yield Money Market · $0 min · 0.00%–3.75% by balance
Credit union · 4 branches
1.25%APY$125 a year on $10,000Requirements
Product: Membership Savings account is required to obtain Corda Credit Union products. Rates are based on average daily balance and may change without notice after account opening. With only a $1,000 minimum deposit to start earning interest.
Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Money Market Balance APY Up to $5,000 0.00% $5,000 – $50,000Your amount 1.25% $50,000 – $100,000 2.25% $100,000 – $250,000 2.75% $250,000 – $500,000 3.25% Over $500,000 3.75% Rate checked
More details - 1.21%APY$121 a year on $10,000
Requirements
Product: *A savings account is defined as dormant if there is no activity for one year. **You may make six transfers from your account during each four week or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
Offer: If the account balance falls below $10.00 during the month or becomes dormant and has a balance below $50.00 there will be a $3.00 per month fee imposed, or an $8.00 fee per calendar quarter if the account balance falls below $10 at any time during that period.
1.20% interest rate · $3 monthly fee · Effective Oct 1, 2026
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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: If the daily balance falls below $50, there is a monthly maintenance fee of $0.50 (fee not imposed on account holders under 18). Interest accrues on the minimum balance of $50.
Offer: Compounding & crediting frequency semi-annually. $0.50 monthly maintenance fee if daily balance falls below $50 (waived for under 18). Interest accrues on minimum balance of $50.
1.00% interest rate · $0.50 monthly fee · Effective Oct 13, 2026
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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 Cedar Rapids, IA metro
96 accounts at 32 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.23%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.25%
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Cedar Rapids, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 4 branches
- Bankers TrustBank · 2 branches
- Corda Credit UnionCredit union · 4 branches