Compare Savings Rates in Iowa – March 2026Current Iowa Savings Rates and MMA RatesCurrent rates from Fidelity Bank & Trust (IA) include a Snap $tack Savings at 5.12% APY. First Federal Credit Union has a Kids First Savings available at 5.00% APY (min deposit $0). Vibrant Credit Union is offering a Digital Advantage Savings account in Iowa with an APY of 4.40%. Vibrant Credit Union has a Elite Savings available at 4.25% APY (min deposit $1,000,000). Find the best savings and money market rates in Iowa today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in IA, comparing APYs is the best way to maximize your interest earnings. The following rates reflect recent market quotes and representative offers available to Iowa depositors. Actual savings rates may vary by financial institution and market conditions.
Last Updated and Verified: March 5, 2026
Savings Rates in Iowa and Area
Rates shown are recent market averages and representative quotes. Actual rates may vary.
Last Updated and Verified: March 5, 2026
Best Iowa and Area Savings Rates & Money Market RatesBank / Credit Union
Product
APY
Min Deposit
Fidelity Bank & Trust (IA) Worthington, WI
Snap $tack Savings
5.12%
$1,000
▼
Rate 5.12%
Min Deposit $1,000
Last Updated 03/05/2026
Details
Earns 5.12% APY on balances $0 - $5,000.00*
First Federal Credit Union Urbana, IA
Kids First Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Kids First Savings Daily Average Balance $1 - $500
Vibrant Credit Union Des Moines, IA
Digital Advantage Savings account
4.40%
$0
▼
Rate 4.40%
Min Deposit $0
Last Updated 03/05/2026
Details
Average Daily Balance: $0 - $4,999
Vibrant Credit Union Des Moines, IA
Elite Savings
4.25%
$1,000,000
▼
Rate 4.25%
Min Deposit $1,000,000
Last Updated 03/05/2026
Details
Average Daily Balance: $1,000,000+
Vibrant Credit Union Des Moines, IA
Elite Savings
4.00%
$250,000
▼
Rate 4.00%
Min Deposit $250,000
Last Updated 03/05/2026
Details
Average Daily Balance: $250,000 - $999,999
Vibrant Credit Union Des Moines, IA
Preferred Savings
4.00%
$10,000
▼
Rate 4.00%
Min Deposit $10,000
Last Updated 03/05/2026
Details
Average Daily Balance: $10,000 - $14,999
IH Mississippi Valley Credit Union Des Moines, IA
SavingsBooster
4.00%
$0
▼
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Vibrant Credit Union Des Moines, IA
Elite Savings
3.75%
$100,000
▼
Rate 3.75%
Min Deposit $100,000
Last Updated 03/05/2026
Details
Average Daily Balance: $100,000 - $249,999
Iowa Trust & SB Emmetsburg, IA Sac City, IA
High Yield Savings
3.70%
$0
▼
Rate 3.70%
Min Deposit $0
Last Updated 03/05/2026
Details
Annual Percentage Yield (APY) effective as of 1/18/2026. No minimum balance to obtain APY. $100 minimum balance required to open account. The rate may change after the account is opened. Deposits are FDIC insured up to appliable limits. Other terms and conditions may apply. Call for details.
Iowa State B&T Co. of Fairfield, IA Ottumwa, IA
High Yield Savings
3.66%
$0
▼
Rate 3.66%
Min Deposit $0
Last Updated 03/05/2026
Details
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here. Methodology & Data SourcesDirect-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Iowa directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy. Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Iowa. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in IA. Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.
Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Iowa.
It is always advisable to check with the specific financial institution's official website for the most current offers and terms.
Last Updated and Verified: March 5, 2026
How to Find the Best Savings Account in Iowa
Frequently Asked Questions for Iowa
What are the current savings rates in Iowa and the surrounding area ▼
Below is a list of current savings and money market rates available for Iowa. We track lenders daily to provide the most up-to-date APY and term information.
Lender / Product APY Min Dep Fidelity Bank & Trust (IA)
Snap $tack Savings
5.12%
$1,000
First Federal Credit Union
Kids First Savings
5.00%
$0
Vibrant Credit Union
Digital Advantage Savings account
4.40%
$0
Vibrant Credit Union
Elite Savings
4.25%
$1,000,000
Vibrant Credit Union
Elite Savings
4.00%
$250,000
Lender / Product APY Min Dep Vibrant Credit Union
Preferred Savings
4.00%
$10,000
IH Mississippi Valley Credit Union
SavingsBooster
4.00%
$0
Vibrant Credit Union
Elite Savings
3.75%
$100,000
Iowa Trust & SB Emmetsburg, IA
High Yield Savings
3.70%
$0
Iowa State B&T Co. of Fairfield, IA
High Yield Savings
3.66%
$0
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account? ▼
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe? ▼
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime? ▼
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change? ▼
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.
Cities in IowaAckley
Ackworth
Adair
Adel
Afton
Agency
Ainsworth
Akron
Albert City
Albia
Albion
Alburnett
Alden
Alexander
Algona
Alleman
Allendorf
Allerton
Allison
Alta
Alta Vista
Alton
Altoona
Alvord
Amana
Ames
Anamosa
Andover
Andrew
Anita
Ankeny
Anthon
Aplington
Arcadia
Archer
Aredale
Argyle
Arion
Arispe
Arlington
Armstrong
Arnolds Park
Arthur
Ashton
Aspinwall
Atalissa
Atkins
Atlantic
Auburn
Audubon
Aurelia
Aurora
Austinville
Avoca
Ayrshire
Badger
Bagley
Baldwin
Bancroft
Barnes City
Barnum
Batavia
Battle Creek
Baxter
Bayard
Beacon
Beaman
Beaver
Bedford
Belle Plaine
Bellevue
Belmond
Bennett
Benton
Bernard
Berwick
Bettendorf
Bevington
Birmingham
Blairsburg
Blairstown
Blakesburg
Blanchard
Blencoe
Blockton
Bloomfield
Blue Grass
Bode
Bonaparte
Bondurant
Boone
Booneville
Bouton
Boxholm
Boyden
Braddyville
Bradford
Bradgate
Brandon
Brayton
Breda
Bridgewater
Brighton
Bristow
Britt
Bronson
Brooklyn
Brunsville
Bryant
Buckeye
Buckingham
Buffalo
Buffalo Center
Burlington
Burnside
Burr Oak
Burt
Bussey
Calamus
Callender
Calmar
Calumet
Camanche
Cambridge
Cantril
Carbon
Carlisle
Carpenter
Carroll
Carson
Carter Lake
Cascade
Casey
Castalia
Castana
Cedar
Cedar Falls
Cedar Rapids
Center Junction
Center Point
Centerville
Central City
Chapin
Chariton
Charles City
Charlotte
Charter Oak
Chatsworth
Chelsea
Cherokee
Chester
Chillicothe
Churdan
Cincinnati
Clare
Clarence
Clarinda
Clarion
Clarksville
Clear Lake
Clearfield
Cleghorn
Clemons
Clermont
Climbing Hill
Clinton
Clio
Clive
Clutier
Coggon
Coin
Colesburg
Colfax
College Springs
Collins
Colo
Columbia
Columbus City
Columbus Junction
Colwell
Conesville
Conrad
Conroy
Coon Rapids
Cooper
Coralville
Corning
Correctionville
Corwith
Corydon
Coulter
Council Bluffs
Craig
Crawfordsville
Crescent
Cresco
Creston
Cromwell
Crystal Lake
Cumberland
Cumming
Curlew
Cushing
Cylinder
Dakota City
Dallas
Dallas Center
Dana
Danbury
Danville
Davenport
Davis City
Dawson
Dayton
De Soto
De Witt
Decatur
Decorah
Dedham
Deep River
Defiance
Delaware
Delhi
Delmar
Deloit
Delta
Denison
Denmark
Denver
Derby
Des Moines
Dewar
Dexter
Diagonal
Dickens
Dike
Dixon
Dolliver
Donahue
Donnellson
Doon
Dorchester
Douds
Dougherty
Dow City
Dows
Drakesville
Dubuque
Dumont
Duncombe
Dundee
Dunkerton
Dunlap
Durango
Durant
Dyersville
Dysart
Eagle Grove
Earlham
Earling
Earlville
Early
Eddyville
Edgewood
Elberon
Eldon
Eldora
Eldridge
Elgin
Elk Horn
Elkader
Elkhart
Elkport
Elliott
Ellston
Ellsworth
Elma
Elmore
Elwood
Ely
Emerson
Emmetsburg
Epworth
Essex
Estherville
Evansdale
Everly
Exira
Exline
Fairbank
Fairfax
Fairfield
Farley
Farmersburg
Farmington
Farnhamville
Farragut
Fayette
Fenton
Ferguson
Fertile
Floris
Floyd
Fonda
Fontanelle
Forest City
Fort Atkinson
Fort Dodge
Fort Madison
Fostoria
Fredericksburg
Frederika
Fremont
Fruitland
Galt
Galva
Garber
Garden City
Garden Grove
Garnavillo
Garner
Garrison
Garwin
Geneva
George
Gibson
Gifford
Gilbert
Gilbertville
Gillett Grove
Gilman
Gilmore City
Gladbrook
Glenwood
Glidden
Goldfield
Goodell
Goose Lake
Gowrie
Graettinger
Grafton
Grand Junction
Grand Mound
Grand River
Grandview
Granger
Grant
Granville
Gravity
Gray
Greeley
Greene
Greenfield
Greenville
Grimes
Grinnell
Griswold
Grundy Center
Gruver
Guernsey
Guthrie Center
Guttenberg
Halbur
Hamburg
Hamilton
Hamlin
Hampton
Hancock
Hanlontown
Harcourt
Hardy
Harlan
Harper
Harpers Ferry
Harris
Hartford
Hartley
Hartwick
Harvey
Hastings
Havelock
Haverhill
Hawarden
Hawkeye
Hayesville
Hazleton
Hedrick
Henderson
Hiawatha
Highlandville
Hills
Hillsboro
Hinton
Holland
Holstein
Holy Cross
Homestead
Honey Creek
Hopkinton
Hornick
Hospers
Houghton
Hubbard
Hudson
Hull
Humboldt
Humeston
Huxley
Ida Grove
Imogene
Independence
Indianola
Inwood
Ionia
Iowa City
Iowa Falls
Ira
Ireton
Irwin
Jamaica
Janesville
Jefferson
Jesup
Jewell
Johnston
Joice
Jolley
Kalona
Kamrar
Kanawha
Kellerton
Kelley
Kellogg
Kensett
Keokuk
Keosauqua
Keota
Kesley
Keswick
Keystone
Killduff
Kimballton
Kingsley
Kirkman
Kirkville
Kiron
Klemme
Knierim
Knoxville
La Motte
La Porte City
Lacona
Ladora
Lake City
Lake Mills
Lake Park
Lake View
Lakota
Lamoni
Lamont
Lanesboro
Langworthy
Lansing
Larchwood
Larrabee
Latimer
Laurel
Laurens
Lawler
Lawton
Le Claire
Le Grand
Le Mars
Ledyard
Lehigh
Leighton
Leland
Lenox
Leon
Lester
Letts
Lewis
Liberty Center
Libertyville
Lidderdale
Lime Springs
Lincoln
Linden
Lineville
Linn Grove
Lisbon
Liscomb
Little Cedar
Little Rock
Little Sioux
Littleport
Livermore
Lockridge
Logan
Lohrville
Lone Rock
Lone Tree
Long Grove
Lorimor
Lost Nation
Lovilia
Low Moor
Lowden
Lu Verne
Luana
Lucas
Luther
Luxemburg
Luzerne
Lynnville
Lytton
Mabel
Macedonia
Macksburg
Madrid
Magnolia
Malcom
Mallard
Malvern
Manchester
Manilla
Manly
Manning
Manson
Mapleton
Maquoketa
Marathon
Marble Rock
Marcus
Marengo
Marion
Marne
Marquette
Marshalltown
Martelle
Martensdale
Martinsburg
Mason City
Masonville
Massena
Matlock
Maurice
Maxwell
May City
Maynard
McCallsburg
McCausland
McClelland
McGregor
McIntire
Mechanicsville
Mediapolis
Melbourne
Melcher
Melrose
Melvin
Menlo
Meriden
Merrill
Meservey
Middle Amana
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Miles
Milford
Millersburg
Millerton
Milo
Milton
Minburn
Minden
Mineola
Mingo
Missouri Valley
Mitchellville
Modale
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Monmouth
Monona
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Montezuma
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Montpelier
Montrose
Moorhead
Moorland
Moravia
Morley
Morning Sun
Morrison
Moscow
Moulton
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Mount Ayr
Mount Pleasant
Mount Sterling
Mount Union
Mount Vernon
Moville
Murray
Mystic
Nashua
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Nevada
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New Hampton
New Hartford
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New London
New Market
New Providence
New Sharon
New Vienna
New Virginia
Newell
Newhall
Newton
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Nodaway
Nora Springs
North Buena Vista
North English
North Liberty
North Washington
Northboro
Northwood
Norwalk
Norway
Oakdale
Oakland
Oakville
Ocheyedan
Odebolt
Oelwein
Ogden
Okoboji
Olds
Olin
Ollie
Onawa
Onslow
Oran
Orange City
Orchard
Orient
Osage
Osceola
Oskaloosa
Ossian
Otho
Otley
Oto
Ottosen
Ottumwa
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Oxford Junction
Oyens
Pacific Junction
Packwood
Palmer
Palo
Panama
Panora
Parkersburg
Parnell
Paton
Patterson
Paullina
Pella
Peosta
Percival
Perry
Persia
Peru
Peterson
Pierson
Pilot Grove
Pilot Mound
Pisgah
Plainfield
Plano
Pleasant Hill
Pleasant Valley
Pleasantville
Plover
Plymouth
Pocahontas
Polk City
Pomeroy
Popejoy
Portsmouth
Postville
Prairie City
Prairieburg
Prescott
Preston
Primghar
Princeton
Prole
Promise City
Protivin
Pulaski
Quasqueton
Quimby
Radcliffe
Rake
Ralston
Randalia
Randall
Randolph
Raymond
Readlyn
Reasnor
Red Oak
Redding
Redfield
Reinbeck
Rembrandt
Remsen
Renwick
Rhodes
Riceville
Richland
Ricketts
Ridgeway
Rinard
Ringsted
Rippey
Riverside
Riverton
Robins
Rock Falls
Rock Rapids
Rock Valley
Rockford
Rockwell
Rockwell City
Rodney
Roland
Rolfe
Rome
Rose Hill
Rowan
Rowley
Royal
Rudd
Runnells
Russell
Ruthven
Rutland
Ryan
Sabula
Sac City
Saint Ansgar
Saint Anthony
Saint Charles
Saint Donatus
Saint Lucas
Saint Marys
Saint Olaf
Saint Paul
Salem
Salix
Sanborn
Scarville
Schaller
Schleswig
Scranton
Searsboro
Selma
Sergeant Bluff
Seymour
Shambaugh
Shannon City
Sharpsburg
Sheffield
Shelby
Sheldahl
Sheldon
Shell Rock
Shellsburg
Shenandoah
Sherrill
Sibley
Sidney
Sigourney
Silver City
Sioux Center
Sioux City
Sioux Rapids
Slater
Sloan
Smithland
Soldier
Solon
Somers
South Amana
South English
Spencer
Sperry
Spillville
Spirit Lake
Spragueville
Springbrook
Springville
Stacyville
Stanhope
Stanley
Stanton
Stanwood
State Center
Steamboat Rock
Stockport
Stockton
Storm Lake
Story City
Stout
Stratford
Strawberry Point
Struble
Stuart
Sully
Sumner
Superior
Sutherland
Swaledale
Swan
Swea City
Swedesburg
Swisher
Tabor
Tama
Teeds Grove
Templeton
Tennant
Terril
Thayer
Thompson
Thor
Thornburg
Thornton
Thurman
Tiffin
Tingley
Tipton
Titonka
Toddville
Toeterville
Toledo
Tracy
Traer
Treynor
Tripoli
Troy Mills
Truesdale
Truro
Turin
Udell
Underwood
Union
Unionville
University Park
Urbana
Urbandale
Ute
Vail
Van Horne
Van Meter
Van Wert
Varina
Ventura
Victor
Villisca
Vincent
Vining
Vinton
Viola
Volga
Wadena
Walcott
Walford
Walker
Wall Lake
Wallingford
Walnut
Wapello
Washington
Washta
Waterloo
Waterville
Watkins
Waucoma
Waukee
Waukon
Waverly
Wayland
Webb
Webster
Webster City
Weldon
Wellman
Wellsburg
Welton
Wesley
West Bend
West Branch
West Burlington
West Chester
West Des Moines
West Grove
West Liberty
West Point
West Union
Westfield
Westgate
Westphalia
Westside
Wever
What Cheer
Wheatland
Whiting
Whittemore
Whitten
Williams
Williamsburg
Williamson
Wilton
Winfield
Winterset
Winthrop
Wiota
Woden
Woodbine
Woodburn
Woodward
Woolstock
Worthington
Wyoming
Yale
Yarmouth
Yorktown
Zearing
Zwingle
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