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 16–30 results in Des Moines, IA metro
- 1.85%APY$185 a year on $10,000with conditions
Requirements
Product: Must have EVANTAGE Solutions Checking to qualify.
Offer: Must have EVANTAGE Solutions Checking to qualify. $5.00 maintenance fee if the account balance falls below $100.00 any day of the month. A withdrawal fee of $.50 will be charged for each debit transaction in excess of three during a calendar month. Interest paid on entire account balance.
Qualified rate · 1.84% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Journey Credit UnionMoney Market AccountsMoney Market Accounts · $5,000 min · 1.81%–3.04% by balance
Credit union · 2 branches
1.81%APY$181 a year on $10,000Requirements
Product: Dividends paid monthly. Should balance fall below $5,000, lower rate earned and $5.00 monthly service fee charged until balance is above $5,000 again.
Offer: Tier 1
1.80% interest rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $5,000 – $25,000Your amount 1.81% $25,000 – $50,000Tier 2 2.02% $50,000 – $90,000Tier 3 2.48% $90,000 – $150,000Tier 4 2.84% $150,000 and upTier 5 3.04% Rate checked
More details - City State BankAdvantage Money MarketAdvantage Money Market · $10,000 min · 1.00%–3.05% by balance
Bank · 6 branches
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 · 5 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 - Advantage Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 1.51%–2.27% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Rates and APY are determined by which of four average daily balance tiers the account falls in; once a balance range is met, that rate applies to the full balance. Up to 6 withdrawals per month ($500.00 minimum withdrawal amount; $5.00 fee per excess transaction). Overdraft fee is $27 per occurrence. Compounded and credited monthly.
Offer: Applies to full balance for average daily balance tier $5,000–$24,999. Minimum opening deposit is $5,000.00.
1.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $24,999Your amount 1.51% $25,000 – $49,999 1.76% $50,000 – $99,999 2.02% $100,000 and up 2.27% Rate checked
More details - Serve Credit UnionMoney MarketMoney Market · $2,500 min · 1.46%–1.86% by balance
Credit union · 2 branches
1.46%APY$146 a year on $10,000Requirements
Product: Interest compounds daily and is credited monthly. Minimum deposit of $2,500 required to establish account and earn dividends. Members may make withdrawals of $500 or more by check or in cash, or within Your Online Membership.
Offer: Minimum of $2,500 required to obtain stated APY. Interest compounds daily and is credited monthly.
1.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.46% $25,000 – $50,000 1.56% $50,000 – $100,000 1.66% $100,000 and up 1.86% Rate checked
More details - GreenState Credit UnionImpact Money MarketImpact Money Market · $2,500 min · 1.45%–2.45% by balance
Credit union · 10 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 - 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 - Journey Credit UnionShare SavingsSavings · $25 min · 0.75%–1.31% by balance
Credit union · 2 branches
1.31%APY$131 a year on $10,000Requirements
Product: Dividends paid monthly once balance reaches $100.00. Includes 8 free ATM processing transactions per month.
Offer: Tier 1: Up to $4,999.99. Dividends paid monthly once balance reaches $100.00.
0.75% interest rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $5,000 0.75% $5,000 and upYour amount 1.31% Rate checked
More details - Greater Iowa Credit UnioneMoney MarketeMoney Market · $10,000 min · 1.30%–2.17% by balance
Credit union · 5 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 - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 3 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 - 1.26%APY$126 a year on $10,000with conditions
Requirements
Product: A Leighton Interest or Leighton Cash Back account is required to have a Leighton Savings rewards account. Limit one Leighton Savings rewards account per SSN. Available on consumer purpose accounts only.
Offer: Applies to balances up to $100,000.00 when qualifications are met in Leighton Interest or Leighton Cash Back account during the monthly qualification cycle (at least one ACH debit transaction post and settle, at least 12 debit card purchases post and settle, and enrolled in online banking with eStatements). Maintenance fee of $1.00 per withdrawal after 6 per statement cycle.
Qualified rate · 1.26% interest rate · Effective May 1, 2026
Rate by balance
Rate by balance for Leighton Savings Balance APY Up to $100,000Your amount 1.26% Over $100,000 0.25% 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 - 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
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
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch