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 91–105 results in Des Moines, IA metro
- 0.20%APY$20 a year on $10,000
Requirements
Product: $5 monthly service charge if available balance falls below $100. $100 minimum deposit to open. Minimum $100.00 to earn interest. Unlimited deposits and transfers.
Offer: $5 monthly service charge waived if available balance remains at or above $100. $100.00 minimum to earn interest. Interest is compounded quarterly and credited quarterly.
0.15% interest rate · Compounded quarterly · $5 monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY $100 – $5,000 0.15% $5,000 and upYour amount 0.20% Rate checked
More details - Union State BankAdvantage Money MarketAdvantage Money Market · $100 min · 0.20%–2.53% by balance
Bank · 3 branches
0.20%APY$20 a year on $10,000Requirements
Product: Variable interest rate. Interest compounds monthly.
0.20% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $25,000Your amount 0.20% $25,000 and up 0.90% $100,000 and up 1.41% $300,000 and up 1.71% $500,000 and up 2.02% $1,000,000 and up 2.53% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Minimum balances required to obtain disclosed APY.
Offer: Balance range: $5,000 - $24,999.99
0.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Prime Reserve Account Balance APY $5,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 and up 0.40% Rate checked
More details - Nicolet National BankMoney Market Account (MMA)Money Market Account (MMA) · $1,000 min · 0.10%–0.20% by balance
Bank · 3 branches
0.20%APY$20 a year on $10,000Requirements
Offer: $10 monthly service charge if available balance falls below $1,000.
0.10% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY $1,000 – $4,999 0.10% $5,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 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 all balances when qualifications are not met in Leighton Interest or Leighton Cash Back account during the monthly qualification cycle. Maintenance fee of $1.00 per withdrawal after 6 per statement cycle.
Qualified rate · 0.20% interest rate · Effective May 1, 2026
Rate checked
More details - The Family Credit UnionRegular SharesSavings · $100 min · 0.15%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Primary membership share account requires maintaining a $25 balance to retain credit union membership. Earns monthly dividends on balances over $100.
Rate by balance
Rate by balance for Regular Shares Balance APY $100 – $2,000 0.15% $2,000 and upYour amount 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: All accounts are subject to credit qualifications. Sales tax may be applicable. Free ATM card included (in-branch pickup required; replacement cards $20).
Offer: Requires $0.01 minimum average daily balance to earn interest/APY. Interest is compounded in monthly statement cycle. Rates subject to change daily.
0.15% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Opened with an initial membership deposit. Interest compounds daily and is credited monthly.
Offer: Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum balance required to open. No maximum amount of Secondary Savings accounts per membership. Interest compounds daily and is credited monthly.
Offer: Minimum balance of $100.00 required to obtain stated APY. Interest compounds daily and is credited monthly.
0.15% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Minimum $5 deposit required to open and keep membership share open.
0.15% interest rate · No monthly fee
Rate checked
More details - Empeople Credit UnionSecondary Share (Sub-Share Savings Account)Savings · $0 min
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: No minimum deposit or daily balance required; open up to 7 sub-shares in digital banking.
0.15% interest rate · No monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must be an Iowa resident to apply (or planning to move to Iowa). Monthly maintenance fee of $3.00 applies if balance falls below $300. Activity fee of $0.50 per withdrawal over three per month.
Offer: Interest compounds quarterly. Monthly maintenance fee of $3.00 applies if balance falls below $300.
0.15% interest rate · $3 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest compounded quarterly.
0.15% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - Dupaco Community Credit UnionShare SavingsSavings · $25 min · 0.00%–0.20% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Dividends and APY accurate as of last dividend declaration date. Rate is variable and may change after account opening. Par value of one share in the credit union is $25.00.
0.00% interest rate · Effective Jun 15, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $100 0.00% $100 – $2,500 0.10% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and up 0.20% Rate checked
More details - Dupaco Community Credit UnionYou Name It SavingsSavings · $0 min · 0.00%–0.20% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Dividends and APY accurate as of the last dividend declaration date. Rates are variable and subject to change after account opening.
0.00% interest rate · Effective Jun 2, 2026
Rate by balance
Rate by balance for You Name It Savings Balance APY Up to $100 0.00% $100 – $2,500 0.10% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and up 0.20% 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
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