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 181–195 results in Iowa
- Farmers & Merchants State BankF&M SavingsSavings · $50 min · 0.30%–0.45% by balance
Bank · 5 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 - 0.40%APY$40 a year on $10,000
Requirements
Product: Variable rate account; interest rate and APY may change after account opening. Must maintain a minimum daily balance of $0.01 to obtain the disclosed APY. Accounts may be subject to fees that may reduce earnings.
Offer: Variable rate; interest compounded daily. Minimum daily balance of $0.01 required to obtain disclosed APY.
0.40% interest rate · Compounded daily · Effective Sep 17, 2026
Rate checked
More details - First Security State BankPlatinum Money Market AccountPlatinum Money Market Account · $5,000 min · 0.40%–1.05% by balance
Bank · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Variable tiered interest rate. $6 monthly maintenance fee applies if balance falls below the $5,000 minimum. Fees may reduce earnings. Variable rates subject to change after account opening.
Offer: $6 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings.
0.40% interest rate · $6 monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Platinum Money Market Account Balance APY $5,000 – $14,999Your amount 0.40% $15,000 – $49,999 0.45% $50,000 – $99,999 0.90% $100,000 – $249,999 1.00% $250,000 and up 1.05% Rate checked
More details - Bank PlusMoney Market Deposit AccountMoney Market Deposit Account · $0 min · 0.30%–0.35% by balance
Bank · 4 branches
0.35%APY$35 a year on $10,0000.30% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY Up to $2,000 0.30% $2,000 and upYour amount 0.35% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Establishes credit union membership ($1.00 one-time membership fee and $25.00 minimum required to maintain membership). 6 free withdrawals or transfers allowed per month. Funds accessible through ATM.
Offer: $100.00 minimum to earn dividends. Dividends paid monthly.
0.35% interest rate · Effective Sep 22, 2026
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 - U.P Connection Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.35%–1.01% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Dividends are calculated on an average daily balance using rate tiers. Minimum deposit to open is $2,500. Unlimited deposits, 6 withdrawals or transfers per month (minimum $200 each). Account may be used as collateral for a loan. No monthly service charge with minimum $2,500 balance.
Offer: APY range stated as 0.01%-0.34%.
0.35% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 0.35%* $2,500 – $5,000 0.35%* $5,000 – $24,999Your amount 0.35%* $25,000 – $50,000APY range stated as 0.34%-0.49%. 0.50%* $50,000 and upAPY range stated as 0.49%-0.99%. 1.01%* Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Must be a member of River Community Credit Union ($5 minimum balance required to be a member).
Offer: $5.00 to open, $100.00 balance to earn APY.
0.35% interest rate
Rate checked
More details - Midland Credit UnionMoney Market Share AccountMoney Market Share Account · $10,000 min · 0.35%–0.55% by balance
Credit union · 3 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 - First Security State BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–1.00% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000intro rateRequirements
Product: Variable tiered interest rate. $10 monthly maintenance fee applies if balance falls below the $1,000 minimum. Fees may reduce earnings. Variable rates subject to change after account opening.
Offer: $10 maintenance fee if balance falls below minimum; variable rates subject to change after account opening; fees may reduce earnings.
Promotional rate · 0.35% interest rate · $10 monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $24,999Your amount 0.35% $25,000 – $99,999 0.60% $100,000 and up 1.00% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Dividends are calculated by the daily balance method and paid quarterly. APY is based on the minimum daily balance maintained each day. Dividends are paid from date of deposit to date of withdrawal.
0.25% interest rate
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.35% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Interest computed daily and paid quarterly on the cash balance in the account. A service charge will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a month with no more than 6 allowed each month.
Offer: Quarterly compounding/payment.
0.35% interest rate · Effective Feb 1, 2023
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 Security Bank & TrustInvestor’s Advantage SavingsSavings · $10,000 min · 0.34%–2.17% by balance
Bank · 8 branches
0.34%APY$34 a year on $10,000Requirements
Product: Tiered interest rate account. Free eStatements; paper statements have a $4.00 service charge per statement cycle. No minimum balance requirement to maintain account.
0.34% interest rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Investor’s Advantage Savings Balance APY Up to $10,000 0.34% $10,000 – $25,000Your amount 0.34% $25,000 – $50,000 0.66% $50,000 – $100,000 0.88% $100,000 – $250,000 1.91% $250,000 – $500,000 2.06% $500,000 and up 2.17% 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 Iowa
440 accounts at 171 banks and credit unions · checked Oct 16–23
- Typical
- 0.25%
- Top 10% from
- 1.40%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
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