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 1–15 results in Spencer, IA metro
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Telco Triad Community Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,500 min · 1.25%–2.00% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Minimum balance $1,000; minimum withdrawal $250.
Offer: APY on entire account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $2,500 – $50,000Your amount 1.25% $50,000 – $100,000 1.75% $100,000 and up 2.00% 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 - Farmers Trust & Savings BankMoney MarketMoney Market · $100 min · 0.35%–1.41% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Fees and/or withdrawals may reduce earnings.
Offer: Minimum balance of $.01 to obtain APY.
0.35% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.35% $9,999 – $49,999Your amount 0.75% $49,999 – $99,999 1.00% $99,999 – $249,999 1.26% $249,999 and up 1.41% 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 - 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 - Community State BankMoney Market SavingsMoney Market Savings · $2,500 min · 0.29%–1.06% by balance
Bank · 2 branches
0.44%APY$44 a year on $10,000Requirements
Product: Contact employee for terms and account fees. Rates subject to change.
Offer: APY applies to balance less than $7,500.
Effective Jul 31, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $7,500 0.29% $7,500 – $15,000Your amount 0.44% $15,000 – $30,000 0.57% $30,000 – $60,000 0.59% $60,000 – $250,000 0.65% $250,000 and up 1.06% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Offer: Account holder must be under age 23, or 62 years or older
0.35% interest rate · Effective Sep 29, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Offer: Account holder must be 24-61 years of age; $5 fee if minimum daily balance falls below $100 during statement cycle
0.35% interest rate · Effective Sep 29, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Minimum balance to avoid monthly fee is $100.
Offer: Minimum balance to avoid monthly fee is $100. Minimum deposit of $100 to open.
$2 monthly fee · Effective Jul 31, 2026
Rate checked
More details - First Federal Credit Union.Personal Money MarketPersonal Money Market · $1 min · 0.10%–0.40% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: No monthly maintenance fee. Compounded rates paid on entire account balance.
No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 0.25% $25,000 – $499,999 0.40% $500,000 and up 0.40% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Minimum $10 balance.
Offer: Minimum $10 balance; $100 & over pays 0.15% dividend @ 0.15% APY.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
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 Spencer, IA metro
18 accounts at 6 banks and credit unions · checked Oct 16
- Typical
- 0.40%
- Top 10% from
- 1.47%
- Banks, typical
- 0.50%
- Credit unions, typical
- 0.20%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Spencer, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Telco Triad Community Credit UnionCredit union · 1 branch