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 31–45 results in Waterloo, IA metro
- 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 - 0.19%APY$19 a year on $10,000
Requirements
Product: Debit Charge of $1.00 each in excess of five withdrawals per calendar month. ATM Card Fee $15.00 + tax per year (waived with eStatements). Minimum Balance fee of $0.50 per month if balance falls below $50.00 any day of the month.
0.19% interest rate · Effective Oct 15, 2026
Rate checked
More details - Heartland Bank and Trust CompanySuper Money MarketSuper Money Market · $2,500 min · 0.02%–0.75% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,0000.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Super Money Market Balance APY Up to $10,000 0.02% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.25% $50,000 – $100,000 0.50% $100,000 and up 0.75% 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 · 6 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: Available in service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa. $1/monthly statement cycle if average daily balance falls below $100.00. Variable rate account.
Offer: $1/monthly statement cycle if avg. daily balance falls below $100.00. Variable rate account.
0.15% interest rate · $1 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Dupaco Community Credit UnionShare SavingsSavings · $25 min · 0.00%–0.20% by balance
Credit union · 3 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 · 3 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a member to open an account.
Offer: $50 minimum balance to earn interest
0.10% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a member to open an account. Minimum $5 share deposit to establish membership.
Offer: Minimum $5 balance to open; on all balances over $50.
No monthly fee
Rate checked
More details - Fidelity Bank & TrustMoney MarketMoney Market · $1,000 min · 0.10%–0.55% by balance
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Consumer rates only. Fees may reduce earnings.
0.10% interest rate · Effective Oct 12, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $100,000Your amount 0.10% $100,000 – $250,000 0.15% $250,000 – $500,000 0.25% $500,000 – $1,000,000 0.45% $1,000,000 and up 0.55% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Becoming a member-owner requires opening a Primary Shares Savings Account with as little as $5. Dividends are compounded quarterly. Withdrawal of earnings could reduce APY.
Offer: Minimum balance to earn dividend is $100. Dividends compounded quarterly.
0.10% interest rate · Compounded quarterly · Effective Jun 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $5 monthly service charge waived if a $200 minimum daily balance is maintained in the month, or for clients under 24 years of age. $10 fee for excess withdrawals over 6 per month.
0.05% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.25% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $100 opening deposit. $3.00 fee per quarterly cycle if $100 average daily balance is not maintained (waived for students through age 23). $1.00 debit item fee in excess of 15 per quarterly cycle. Quarterly compounding; interest paid quarterly.
Offer: Opening minimum listed as $50 on rates schedule and $100 on savings account page.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No deposit required to open. Low minimum balance ($100) to earn dividends. Can name the account to save for a special purpose at no charge.
Offer: No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened.
0.10% interest rate · Effective Aug 1, 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
What savings accounts pay in Waterloo, IA metro
75 accounts at 23 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.39%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.20%
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Waterloo, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 1 branch
- CFCCUCredit union · 3 branches
- Empeople Credit UnionCredit union · 6 branches