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 76–90 results in Des Moines, IA metro
- Farmers & Merchants State BankF&M SavingsSavings · $50 min · 0.30%–0.45% by balance
Bank · 3 branches
0.40%APY$40 a year on $10,000Requirements
Product: Interest rate and APY current as of 12/11/2025. Compounded daily, credited monthly. $5.00 monthly maintenance fee if balance falls below $100.00 any day of statement cycle. $50 opening deposit. Minimum balance to obtain APY is $0.01.
Offer: Under $2,500 balance tier. $5.00 maintenance fee waived if balance stays at or above $100.00 every day of statement cycle.
0.30% interest rate · Compounded daily · $5 monthly fee · Effective Dec 11, 2025
Rate by balance
Rate by balance for F&M Savings Balance APY Up to $2,500 0.30% $2,500 – $5,000 0.35% $5,000 – $25,000Your amount 0.40% $25,000 and up 0.45% Rate checked
More details - Midland Credit UnionMoney Market Share AccountMoney Market Share Account · $10,000 min · 0.35%–0.55% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Up to six (6) free withdrawals a month; fee applies to transactions exceeding six. Max 6 preauthorized, automatic, or telephone transfers per month, with no more than 3 to a third party. Rates subject to change monthly. Minimum balance of $10,000 required to earn dividend. Fees could reduce earnings.
Offer: Minimum balance required of $10,000 to earn dividend.
0.35% interest rate
Rate by balance
Rate by balance for Money Market Share Account Balance APY $10,000 – $24,999Your amount 0.35% $25,000 – $49,999 0.40% $50,000 – $99,999 0.45% $100,000 and up 0.55% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 9 branches
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Dupaco Community Credit UnionInvestor's Choice Money MarketInvestor's Choice Money Market · $2,500 min · 0.20%–0.40% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Available to individual and small business member accounts only. NOT available to investment companies and financial institutions. Maximum deposit limits may apply. Check-writing is not available. Minimum withdrawal $250. No penalties for withdrawals made in-branch.
Offer: Min. to Earn $0.01.
0.20% interest rate · Effective Jun 2, 2026
Rate by balance
Rate by balance for Investor's Choice Money Market Balance APY Up to $2,500 0.20% $2,500 – $10,000to Earn $2,500.00. 0.25% $10,000 – $25,000Your amountto Earn $10,000.00. 0.30% $25,000 – $100,000to Earn $25,000.00. 0.35% $100,000 and upto Earn $100,000.00. 0.40% Rate checked
More details - Greater Iowa Credit UnionMoney MarketMoney Market · $2,500 min · 0.30%–0.55% by balance
Credit union · 5 branches
0.30%APY$30 a year on $10,000Requirements
Product: Rates may vary after the account is opened.
0.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.30% $25,000 and up 0.35% $50,000 and up 0.40% $100,000 and up 0.50% $200,000 and up 0.55% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
Offer: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
0.30% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Credit Union membership required. Interest calculated daily and paid monthly.
Offer: Minimum balance to earn interest is $1.00. Minimum daily balance is $0.
0.30% interest rate
Rate checked
More details - Advantage Credit UnionLife Happens SavingsSavings · $1 min · 0.30%–1.00% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Not available for business, organizational, trust or estate accounts. Credit Union membership required.
Offer: Tier 1: Applies to the first $2,000. Minimum balance to earn interest is $1.00.
1.00% interest rate
Rate by balance
Rate by balance for Life Happens Savings Balance APY Up to $2,000 1.00% $2,001 and upYour amount 0.30% Rate checked
More details - The Family Credit UnionGrowth SavingsSavings · $1,500 min · 0.30%–0.55% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Minimum balance of $1,500 required to earn dividends. TIA accounts yield higher daily dividends and are paid monthly.
0.30% interest rate
Rate by balance
Rate by balance for Growth Savings Balance APY $1,500 – $24,999Your amount 0.30%* $25,000 – $49,999 0.40%* $50,000 – $99,999 0.50%* $100,000 and up 0.55%* Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - Capitol View Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.25%–2.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are paid quarterly. Rates are subject to change.
Offer: Average daily balance tier $0 - $19,999.99. Dividends paid quarterly.
0.25% interest rate · Effective Jul 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $20,000Your amount 0.25% $20,000 – $50,000 1.50% $50,000 – $100,000 2.00% $100,000 and up 2.50% Rate checked
More details - Capitol View Credit UnionSavings AccountSavings · $25 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are paid quarterly. Savings rates are tiered based on average daily balance. Requires a $25 minimum savings balance representing membership stake.
0.00% interest rate · Effective Jul 15, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $5,000 0.00% $5,000 – $10,000APY is 0% – 0.10% 0.10%* $10,000 and upYour amountAPY is 0% – 0.25% 0.25%* Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $2.50 monthly maintenance service charge is waived if a $100.00 (or greater) average daily balance is maintained for the month or for individuals under 23 years of age.
Offer: Interest compounded quarterly. Minimum daily balance of $0.01 to obtain APY. Monthly fee waived with $100 average daily balance or if owner is under 23 years of age.
0.25% interest rate · Compounded quarterly · $2.50 monthly fee · Effective Jun 24, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $3 monthly service charge waived with a $200 minimum daily balance.
Offer: $3 monthly service charge waived with a $200 minimum daily balance; variable rate.
0.15% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $4,999 0.15% $5,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.25% $50,000 – $99,999 0.30% $100,000 – $249,999 0.35% $250,000 and up 0.45% Rate checked
More details - Premier Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.15%–0.25% by balance
Credit union · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Dividends compounded monthly. $10.00/month fee if balance falls below $2,000 minimum balance.
Offer: Fee of $10.00/month applies if balance falls below $2,000 minimum balance.
0.15% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $100,000 0.25% $100,000 and up 0.25% 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