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 61–75 results in Des Moines, IA metro
- Vision Bank of Iowa.Money Market AccountMoney Market Account · $2,500 min · 0.50%–0.95% by balance
Bank · 6 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rates on balances $2,500.00 and above. $2,500.00 minimum daily balance required to waive $10.00 monthly service charge. $50.00 minimum opening deposit required.
Offer: $10.00 monthly service charge waived if $2,500.00 minimum daily balance is maintained.
0.50% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.65% $25,000 – $50,000 0.75% $50,000 – $100,000 0.80% $100,000 and up 0.95% Rate checked
More details - Fidelity BankMoney Market AccountsMoney Market Accounts · $1,000 min · 0.30%–1.50% by balance
Bank · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Personal and business accounts. The interest rate and Annual Percentage Yield (APY) depend upon the applicable rate tier and are subject to change daily. All accounts are subject to credit qualifications. Sales tax may be applicable.
Offer: Average daily balance to earn APY: $1,000. All accounts are subject to credit qualifications. Sales tax may be applicable.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY $1,000 – $10,000 0.30% $10,000 – $25,000Your amountStated interest rate is 060%. 0.60% $25,000 – $100,000 1.00% $100,000 – $200,000 1.25% $200,000 and up 1.50% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Up to six withdrawals per month.
0.60% interest rate · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - First National BankMoney Market SavingsMoney Market Savings · $0 min · 0.55%–0.90% by balance
Bank · 4 branches
0.55%APY$55 a year on $10,000Requirements
Product: Tiered interest rates. Interest compounds monthly. $1,000 minimum balance to avoid monthly fees. Checks available upon request.
Offer: $1,000 minimum balance to avoid monthly fees.
0.55% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.55% $25,000 – $99,999 0.65% $100,000 – $249,999 0.75% $250,000 and up 0.90% Rate checked
More details - 0.55%APY$55 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: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
0.55% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $5,000 min · 0.45%–3.00% by balance
Credit union · 2 branches
0.55%APY$55 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.45% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY $5,000 – $10,000 0.45% $10,000 – $20,000Your amount 0.55% $20,000 – $50,000 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.50% $100,000 – $250,000 2.40% $250,000 – $500,000 2.90% $500,000 and up 3.00% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: $2 monthly maintenance fee waived when average daily balance for the month is above $50. Free paper statement available.
Offer: $2 monthly maintenance fee waived when average daily balance for the month is above $50.
0.40% interest rate · $2 monthly fee · Effective Dec 19, 2025
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $10,000 0.40% $10,000 and upYour amount 0.55% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Avoid the $10 monthly service charge by maintaining an average daily balance of $2,500 or more. Avoid the $2.00 paper statement fee each month by enrolling in eStatements.
Offer: Minimum balance of $2,500 required to obtain disclosed APY. Monthly service charge of $10 avoided with $2,500 average daily balance. Paper statement fee of $2.00 avoided by enrolling in eStatements.
0.50% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 0.50% $50,000 – $250,000 0.75% $250,000 – $500,000 1.00% $500,000 – $750,000 1.25% $750,000 and up 1.50% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must be linked to either a C1st Cash or C1st Cash Back checking account. To qualify per monthly qualification cycle, you must: 1) make 15 debit card (non-ATM) transactions; and 2) be enrolled in and receive eStatements. Monthly qualification cycle is defined as the calendar month.
Offer: Qualifications not met in either checking account; all balances in the C1st Saver earn 0.03% APY.
Qualified rate · 0.03% interest rate
Rate by balance
Rate by balance for C1st Saver Balance APY Any balance 0.03% Up to $15,000Your amountQualifications met (15 debit card non-ATM transactions and eStatements enrolled/received). 0.50% $15,001 and upQualifications met. Balances over $15,000 earn 0.25% APY on the portion of the balance over $15,000, resulting in 0.50% APY to 0.28% APY depending on the balance. 0.25% Rate checked
More details - Polk County Credit UnionPolk County Credit Union - Home Dividend RatesPolk County Credit Union - Home Dividend Rates · $500 min · 0.40%–0.70% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Offer: Effective as of 7/1/2017
Effective Jul 1, 2017
Rate by balance
Rate by balance for Polk County Credit Union - Home Dividend Rates Balance APY $500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 and up 0.70% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must link to a Kasasa Cash or Kasasa Cash Back checking account. To earn qualifying rates, enrollments must be in place and the following must post and settle to the linked checking account during each Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in and agree to receive e-statements/online banking, and 1 ACH transaction per month. Automatic transfers of Kasasa Cash/Cash Back earnings. No minimum balance to earn rewards. Limit of 1 account per social security number.
Offer: Qualifying rate for daily balances up to and including $20,000.00 when linked Kasasa Cash or Kasasa Cash Back account qualifications are met.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Jan 16, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $20,000Your amount 0.50% $20,000 and up 0.25%* Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.45% interest rate · No monthly fee
Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Minimum balance to open account is $10.00. Avoid a $7 monthly service charge by maintaining a balance of $1,000 or more.
Offer: Minimum balance to obtain APY is $0.01. Avoid $7 monthly service charge by maintaining a balance of $1,000 or more.
0.31% interest rate · $7 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.31% $1,000 – $50,000Your amount 0.45% $50,000 – $100,000 0.65% $100,000 – $500,000 0.81% $500,000 and up 1.10% Rate checked
More details - Bank IowaPremier Money MarketPremier Money Market · $10 min · 0.43%–1.37% by balance
Bank · 5 branches
0.43%APY$43 a year on $10,000Requirements
Product: Minimum balance to open account is $10.00. $15 monthly service charge if balance falls below $25,000.
Offer: Minimum balance to obtain APY is $0.01. $15 monthly service charge if balance falls below $25,000.
0.43% interest rate · $15 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $25,000Your amount 0.43% $25,000 – $100,000 0.73% $100,000 – $250,000 1.09% $250,000 – $1,000,000 1.20% $1,000,000 and up 1.37% Rate checked
More details - Community Choice Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.40%–0.65% by balance
Credit union · 8 branches
0.40%APY$40 a year on $10,000Requirements
Product: $10,000.00 minimum deposit required to open the account. $10,000.00 minimum average daily balance required to earn interest. Each tier applies to both consumer and business accounts. Rates are subject to change after the account is opened. Fees could reduce earnings.
Offer: Minimum average daily balance of $10,000.00 required to earn interest.
0.40% interest rate · Effective Jun 6, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.45% $50,000 – $100,000 0.50% $100,000 – $150,000 0.55% Over $150,000 0.65% 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