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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.

Location

Top savings rates

Showing 1–15 results in Des Moines, IA metro

  1. Top Carrot, Carrot Score 88
    UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance

    Bank · 1 branch

    3.71%APY$371 a year on $10,000
  2. Iowa TrustHigh Yield Savings AccountSavings · $100 min

    Bank · 2 branches

    3.70%APY$370 a year on $10,000
  3. Top Carrot, Carrot Score 89
    Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance

    Credit union · 2 branches

    3.25%APY$325 a year on $10,000with conditions
  4. Top Carrot, Carrot Score 87
    Earlham BankMoney MarketMoney Market · $2,500 min · 3.00%–3.75% by balance

    Bank · 9 branches

    3.25%APY$325 a year on $10,000
  5. Top Carrot, Carrot Score 95
    Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min

    Credit union · 2 branches

    3.05%APY$305 a year on $10,000
  6. Top Carrot, Carrot Score 91
    Marine Credit UnionMoney Market SpecialMoney Market Special · $10,000 min

    Credit union · 1 branch

    3.00%APY$300 a year on $10,000intro rate
  7. Lincoln Savings BankCompanion Savings AccountSavings · $2,500 min

    Bank · 4 branches

    2.75%APY$275 a year on $10,000
  8. Top Carrot, Carrot Score 87
    Central State BankFreedom 250 SavingsSavings · $50 min

    Bank · 1 branch

    2.50%APY$250 a year on $10,000
  9. Dupaco Community Credit UnionBright SavingsSavings · $0 min

    Credit union · 2 branches

    2.25%APY$225 a year on $10,000
  10. Top Carrot, Carrot Score 92
    Luana Savings BankMomentum Money MarketMomentum Money Market · $2,500 min · 1.71%–3.09% by balance

    Bank · 3 branches

    2.02%APY$202 a year on $10,000
  11. Top Carrot, Carrot Score 91
    IH Mississippi Valley Credit UnionMega Money MarketMega Money Market · $2,500 min · 0.75%–3.00% by balance

    Credit union · 1 branch

    2.00%APY$200 a year on $10,000with conditions
  12. Top Carrot, Carrot Score 91
    IH Mississippi Valley Credit UnionSavingsBoosterSavings · $0 min · 2.00%–4.00% by balance

    Credit union · 1 branch

    2.00%APY$200 a year on $10,000with conditions
  13. U.S. BankU.S. Bank Smartly SavingsSavings · $25 min · 1.00%–3.50% by balance

    Bank · 13 branches

    2.00%APY$200 a year on $10,000with conditions
  14. U.S. BankBank Smartly SavingsSavings · $25 min · 1.00%–3.50% by balance

    Bank · 13 branches

    2.00%APY$200 a year on $10,000with conditions
  15. Top Carrot, Carrot Score 87
    Earlham BankRegular SavingsSavings · $100 min

    Bank · 9 branches

    1.85%APY$185 a year on $10,000

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 Des Moines, IA metro

165 accounts at 58 banks and credit unions · checked Oct 16–22

Typical
0.30%
Top 10% from
1.79%
Banks, typical
0.40%
Credit unions, typical
0.25%

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Des Moines, IA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Collins Community Credit UnionCredit union · 2 branches
  2. Serve Credit UnionCredit union · 2 branches
  3. Advantage Credit UnionCredit union · 1 branch
See all ranked institutions

Savings rates by state

Best High-Yield Savings Rates of October 2026 | Carrot Rate