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 1–10 results in Spirit Lake, IA metro · Few institutions in Spirit Lake, IA metro: choose a wider area in the filters
- Bank MidwestPremier Money Market Savings AccountPremier Money Market Savings Account · $50 min · 1.00%–3.20% by balance
Bank · 2 branches
1.51%APY$151 a year on $10,000Requirements
Product: Tiered interest rate. If balance falls below $10,000 any day of the month, a $10 monthly service charge is assessed. Limited to 6 withdrawals and 6 checks per month.
Offer: Monthly fee of $10 assessed if balance falls below $10,000 any day of the month.
1.00% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Premier Money Market Savings Account Balance APY Up to $10,000 1.00% $10,000 – $25,000Your amount 1.51% $25,000 – $100,000 2.02% $100,000 – $250,000 2.68% $250,000 and up 3.20% Rate checked
More details - Citizens Community Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 1.00%–1.50% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Must have Basic Share Account with minimum balance of $25 to open these secondary accounts. Maintenance or activity fees may reduce earnings.
1.00% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.10% $25,000 – $49,999 1.20% $50,000 – $99,999 1.30% $100,000 and up 1.50% 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 - 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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Variable rate account compounded daily and paid monthly. Maximum of 6 preauthorized transfers per monthly statement cycle. Rates increase with higher balances.
Offer: Variable rate. Minimum daily balance to obtain APY. Compounded daily, paid monthly.
0.15% interest rate · Compounded daily · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Fund Balance APY Up to $25,000Your amount 0.15% $25,000 – $100,000 0.25% $100,000 – $250,000 0.50% $250,000 – $1,000,000 0.75% $1,000,000 and up 1.51% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable rate compounded daily and paid quarterly. Monthly statement if EFT activity, otherwise quarterly. Minimum daily balance to obtain APY.
Offer: Variable rate account; interest rates and APYs may change after account is opened. Minimum daily balance of $0.00 to obtain APY. Fees could reduce earnings.
0.10% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $2 is eliminated when you carry a daily balance of $100 or more. Paper statements optional for $3 per month.
Offer: Monthly fee of $2 eliminated with daily balance of $100 or more.
0.10% interest rate · $2 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Great Rate Savings Balance APY Up to $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $100,000 0.10% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Features no monthly service charge. Pays dividends on the average daily balance if the account has a balance of $100 or more. Members may establish secondary savings accounts.
Offer: Listed as Basic Share Account on rates schedule. Minimum average daily balance to earn dividends is $100.
0.05% interest rate · No monthly fee
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 Spirit Lake, IA metro
10 accounts at 4 banks and credit unions · checked Oct 16
- Typical
- 0.63%
- Top 10% from
- 1.14%
- Banks, typical
- 0.63%
- Credit unions, typical
- 0.58%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch