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 Des Moines, IA metro
- 1.11%APY$111 a year on $10,000
Requirements
Product: Consumer account. Minimum balance fee of $5.00/month applies if balance falls below $2,500.00 on any day of the statement cycle. Interest compounds and credits monthly.
Offer: Applies to daily balance under $2,500.00. $5.00/month fee if balance falls below $2,500.00 on any day of the statement cycle. Interest compounds and credits monthly.
1.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Super Savings Balance APY Up to $2,500 1.06% $2,500 – $20,000Your amount 1.11% $20,000 and up 1.16% 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 - 1.05%APY$105 a year on $10,000
Requirements
Product: Minimum balance requirements waived for customers under 18 or 65 and older. Minimum balance fee of $5.00/quarter applies if balance falls below $100.00 on any day of the statement cycle. Interest compounds and credits quarterly.
Offer: Interest calculated using the daily balance method, compounded and credited quarterly.
1.05% interest rate · Effective Oct 5, 2026
Rate checked
More details - BankCSBMoney Market SavingsMoney Market Savings · $1,000 min · 0.40%–2.75% by balance
Bank · 10 branches
1.01%APY$101 a year on $10,000Requirements
Product: No $10 monthly fee when maintaining a $1,000 balance. No $3.95 paper statement fee when maintaining a $5,000 balance or signing up for eStatements. 6 free withdrawals per statement cycle with an $8 fee per excess withdrawal.
Offer: No $10 monthly fee when maintaining a $1,000 balance.
$10 monthly fee · Effective Dec 17, 2025
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $10,000 0.40% $10,000 – $50,000Your amount 1.01% $50,000 – $100,000 1.01% $100,000 – $250,000 1.07% $250,000 – $500,000 1.15% $500,000 and up 2.75% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: $100 Average Available Balance (AAB) to waive $2.00 monthly low balance service fee (no minimum AAB for children under 18; opening deposit $25 for children under 18). 3 withdrawals/debits per statement cycle at no charge; excess withdrawal fee $1.00 each.
Offer: Tier 1; Available Balance (AB) to earn rate; $2.00 low balance fee if AAB < $100.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $500 0.75% $500 – $5,000Tier 2; 0.75% $5,000 – $50,000Your amountTier 3; 1.00% $50,000 – $100,000Tier 4; 1.26% $100,000 – $200,000Tier 5; 1.51% $200,000 and upTier 6; 1.76% 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: Rate is variable and subject to change after account opening. $10 monthly service charge waived with a $2,000 minimum daily balance. Six free transactions per monthly statement cycle ($10 per additional transaction).
Offer: $10 monthly service charge waived with a $2,000 minimum daily balance.
0.50% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.50% $10,000 – $99,999Your amount 1.00% $100,000 – $499,999 1.46% $500,000 – $999,999 1.76% $1,000,000 – $9,999,999 2.53% $10,000,000 and up 2.53% Rate checked
More details - Affinity Credit UnionMoney MarketMoney Market · $5,000 min · 1.00%–3.04% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Residency or work in Polk, Boone, Story, Marshall, Dallas, Jasper, Madison, Warren, Marion, Adams, Union, Page, Taylor, or Ringgold counties required. Must maintain tier balance to earn APY. Rates subject to change after opening. $5 minimum savings account required.
Offer: Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly.
1.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2022
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.76% $100,000 – $250,000 2.53% $250,000 and up 3.04% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be tied to a primary checking account at LSB. Limit of one Bonus Savings account per household; not eligible with a Leighton Savings rewards account.
Offer: Maintenance fee of $1.00 per withdrawal after 6 per statement cycle; $1.00 minimum balance fee if balance falls below $50.00 during the statement cycle.
Qualified rate · 0.05% interest rate · Effective May 1, 2026
Rate by balance
Rate by balance for Bonus Savings Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 1.00% $25,000 – $50,000 0.30% $50,000 and up 0.35% 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 - Charter BankCharter Money MarketCharter Money Market · $2,500 min · 0.75%–1.10% by balance
Bank · 4 branches
0.90%APY$90 a year on $10,000Requirements
Product: Earn higher returns with tiered interest rates. $10 monthly service charge if minimum daily balance of $2,500 is not met. Free e-Statements; $3 for Paper Statements.
Offer: Balance < $10,000. $10 monthly service charge if minimum daily balance of $2,500 is not met.
0.75% interest rate · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Charter Money Market Balance APY Any balance 0.75% $10,000 – $24,999Your amount 0.90% $25,000 – $49,999 1.10% Rate checked
More details - 0.90%APY$90 a year on $10,000
Requirements
Product: $7.50 Monthly Maintenance Fee waived with total relationship balance of $15,000 or more in loans, deposits or a combination with Northwest Bank, or minimum daily balance of $1,000 maintained in this account.
Offer: $7.50 Monthly Maintenance Fee waived with total relationship balance of $15,000 or more in loans, deposits or a combination with Northwest Bank, or minimum daily balance of $1,000 maintained in this account.
0.90% interest rate · $7.50 monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $50,000Your amount 0.90% $50,000 – $100,000 1.16% $100,000 – $250,000 1.66% $250,000 – $500,000 1.87% $500,000 and up 2.02% Rate checked
More details - 0.90%APY$90 a year on $10,000with conditions
Requirements
Product: Requires a Compass Rewards Account or Compass Cash Account. No monthly maintenance fee. No minimum balance requirement after opening.
Offer: Balances up to $20,000. Requires Compass Rewards or Compass Cash.
Qualified rate · 0.90% interest rate · No monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Compass Savings Balance APY Up to $20,000Your amount 0.90% Over $20,000Stated APY 0.90%-0.51%; 0.51% APY based on a $50,000 balance; higher balances have a lower APY. 0.25%* Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Product: $1,000 minimum daily balance to avoid $12.50 monthly fee. Avoid $5 monthly paper statement fee by enrolling in free eStatements. Interest compounded monthly.
Offer: $12.50 monthly fee if daily balance falls below $1,000. Interest compounded monthly.
0.85% interest rate · Compounded monthly · $12.50 monthly fee · Effective Nov 12, 2024
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.85% $25,000 – $75,000 1.00% $75,000 – $250,000 1.87% $250,000 and up 2.40% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 9 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% 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