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 46–60 results in Des Moines, IA metro
- 0.80%APY$80 a year on $10,000
Requirements
Product: Effective date: September 30, 2026. Variable interest rate. Rate varies by balance. Monthly fee $7 if minimum balance not met.
Offer: Balance under $2,500.
0.20% interest rate · $7 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $2,499 0.20% $2,500 – $9,999 0.25% $10,000 – $24,999Your amount 0.80% $25,000 and up 0.90% Rate checked
More details - Lincoln Savings BankPremier Money MarketPremier Money Market · $50 min · 0.60%–1.51% by balance
Bank · 4 branches
0.80%APY$80 a year on $10,0000.60% interest rate · Effective Jun 24, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $2,500 0.60% $2,500 – $100,000Your amount 0.80% $100,000 – $250,000 0.90% $250,000 – $500,000 1.21% $500,000 – $1,000,000 1.31% $1,000,000 and up 1.51% Rate checked
More details - Collins Community Credit UnionSignature Money MarketSignature Money Market · $1,000 min
Credit union · 2 branches
0.75%APY$75 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: Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
0.75% interest rate · Effective Feb 1, 2024
Rate checked
More details - Collins Community Credit UnionMoney Market PlusMoney Market Plus · $1,000 min · 0.01%–2.35% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Must meet membership eligibility requirements. Minimum balance fee assessed if balance is below $1,000.00.
Offer: $1,000.00 minimum balance required to earn APY; minimum balance fee assessed if balance is below $1,000.00.
0.01% interest rate
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $1,000 0.01% $1,000 – $10,000 0.05% $10,000 – $50,000Your amountRequires $1,000.00 minimum balance to earn APY; 0.75% $50,000 – $100,000Requires $1,000.00 minimum balance to earn APY; 1.35% $100,000 – $250,000Requires $1,000.00 minimum balance to earn APY; 1.65% $250,000 – $500,000Requires $1,000.00 minimum balance to earn APY; 1.94% $500,000 – $1,000,000Requires $1,000.00 minimum balance to earn APY; 2.15% $1,000,000 and upRequires $1,000.00 minimum balance to earn APY; 2.35% Rate checked
More details - 0.75%APY$75 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: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $12.99 waived with $1,000 minimum daily balance.
0.70% 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 0.70% $5,000 – $10,000 0.73% $10,000 – $50,000Your amount 0.75% $50,000 – $100,000 0.93% $100,000 and up 0.95% Rate checked
More details - Financial Plus Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.05% by balance
Credit union · 4 branches
0.75%APY$75 a year on $10,000Requirements
Product: No fee for being below the minimum balance. No monthly service fee. Minimum average daily balance of $1,000 to earn dividends. Dividends compounded daily, paid monthly. Tiered rate account where the rate applies to the full balance once a balance range is met.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $75,000 0.95% $75,000 and up 1.05% Rate checked
More details - Des Moines Metro Credit UnionSuper BonusSavings · $5,000 min · 0.75%–4.07% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Requires $5,000 to open and a $5,000 minimum balance to earn APY. Dividends are compounded monthly.
Offer: Super Bonus – Tier 1. Minimum balance must be maintained every day to earn APY. Dividends compounded monthly.
0.75% interest rate · Compounded monthly · Effective Mar 25, 2025
Rate by balance
Rate by balance for Super Bonus Balance APY $5,000 – $24,999Your amount 0.75% $25,000 – $49,999Super Bonus – Tier 2. 1.00% $50,000 – $499,999Super Bonus – Tier 3. 1.11% $500,000 and upSuper Bonus – Tier 4. 4.07% Rate checked
More details - IH Mississippi Valley Credit UnionMega Money MarketMega Money Market · $2,500 min · 0.05%–4.00% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000with conditionsRequirements
Product: Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. $18 monthly fee if balance drops below $2,500. Limit of 6 transactions per month.
Offer: Non-qualifying rate if qualifying requirements are not met.
Qualified rate · $18 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY Any balance 0.05% $2,500 – $10,000Tier 6. No commercial or institutional funds permitted. 0.25% $10,000 – $50,000Your amountTier 5. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. 0.70% $50,000 – $100,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. 3.50% Over $100,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. 4.00% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: Variable rate. Savings accounts compound semi-annually.
0.70% interest rate · Effective Sep 30, 2026
Rate checked
More details - Union State BankMoney Market AccountMoney Market Account · $100 min · 0.20%–1.26% by balance
Bank · 3 branches
0.70%APY$70 a year on $10,000Requirements
Product: Variable interest rate. Interest compounds monthly. Six withdrawal/transfer limitations apply per statement cycle.
Offer: Waive $7 monthly fee with $900 minimum daily balance or $1,200 average daily balance per statement cycle; $3 per debit transaction over limit.
0.20% interest rate · $7 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.20% $2,500 and up 0.30% $10,000 and upYour amount 0.70% $25,000 and up 1.26% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: APY not published for this product. Opening minimum and fees not stated.
0.70% interest rate · Effective Dec 19, 2025
Rate by balance
Rate by balance for Estate Savings Balance APY Up to $20,000Your amount 0.70%* $20,000 – $50,000 0.80%* $50,000 – $100,000 0.90%* $100,000 – $500,000 1.01%* $500,000 – $1,000,000 1.36%* $1,000,000 and up 1.61%* Rate checked
More details - Community 1st Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.70%–1.75% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Dividends are calculated by the daily balance method and compounded monthly. Minimum daily balance to earn must be maintained each day to obtain disclosed APY (fee if balance drops below minimum). Rates may vary after account opening.
Offer: Minimum daily balance to earn must be maintained each day to obtain disclosed APY.
0.70% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.70% $25,001 and up 0.85% $50,001 and up 1.15% $100,001 and up 1.40% $250,001 and up 1.75% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Offer: Variable rate account; rate and APY may change after opening. Fees could reduce earnings. $5 monthly service charge waived if minimum daily balance of $250 is met. Includes 6 free withdrawals or debits per month ($3 for each additional).
0.65% interest rate · $5 monthly fee · Effective Oct 9, 2026
Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $0 min · 0.40%–3.40% by balance
Credit union · 2 branches
0.65%APY$65 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.40% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY Up to $5,000 0.40% $5,000 – $10,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.55% $10,000 – $20,000Your amountLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.65% $20,000 – $50,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.50% $50,000 – $75,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.55% $75,000 – $100,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.60% $100,000 – $250,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.00% $250,000 – $500,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.30% $500,000 and upLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.40% Rate checked
More details - Farmers & Merchants State BankF&M Money MarketF&M Money Market · $50 min · 0.35%–2.20% by balance
Bank · 3 branches
0.65%APY$65 a year on $10,000Requirements
Offer: The minimum balance required to obtain the APY is $0.01.
0.35% interest rate
Rate by balance
Rate by balance for F&M Money Market Balance APY Up to $5,000 0.35% $5,000 – $25,000Your amount 0.65% $25,000 – $100,000 1.00% $100,000 – $250,000 1.15% $250,000 – $1,000,000 1.25% $1,000,000 and up 2.20% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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