What are the current interest rates at Iowa State Savings Bank?

Current rates for Iowa State Savings Bank include: Savings: 0.65%, MMA: 1.05%

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Iowa State Savings Bank Rates & Review November 2026

Q: How many branches does Iowa State Savings Bank operate?

Iowa State Savings Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Iowa State Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Iowa State Savings Bank's savings rates are at 0.65%. Iowa State Savings Bank's money market rates are at 1.05%. Iowa State Savings Bank's checking rates are as high as 3.95%. Iowa State Savings Bank's 15-Year Fixed rates are at 6.45%, Adjusted Rate Mortgage rates are at 6.45%. Iowa State Savings Bank's savings rates are 14% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Iowa State Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.21%. Rates last updated and verified on 11/06/2026.

Iowa State Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Iowa State Savings Bank? Share your experience about Iowa State Savings Bank by leaving a review below, or read customer reviews before you decide to use Iowa State Savings Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Iowa State Savings Bank

401 W Adams St
Creston, IA 50801

https://www.issbbank.com

Customer Reviews

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Iowa State Savings Bank Savings Rates

Product	Rate	APY
Savings Accounts	0.648%	0.65%
Min Balance $2,500 Details Balance: $2,500 and over; Reserve Savings, Balance Builder, ISSBees Savings Club Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.45% → 0.65% ▲ 0.20 pts · high 0.65% / low 0.45% Sep 24, 20260.65%▲ from 0.45% Sep 19, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Savings Accounts	0.399%	0.40%
Details Balance: Less than $2,500; Reserve Savings, Balance Builder, ISSBees Savings Club Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Iowa State Savings Bank Money Market Rates

Product	Rate	APY
Consumer Money Market	1.045%	1.05%
Min Balance $200,000 Details Balance: $200,000 and over Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.85% → 1.05% ▲ 0.20 pts · high 1.05% / low 0.85% Sep 24, 20261.05%▲ from 0.85% Sep 19, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Consumer Money Market	0.946%	0.95%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.75% → 0.95% ▲ 0.20 pts · high 0.95% / low 0.75% Sep 24, 20260.95%▲ from 0.75% Sep 19, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Consumer Money Market	0.896%	0.90%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.70% → 0.90% ▲ 0.20 pts · high 0.90% / low 0.70% Sep 24, 20260.90%▲ from 0.70% Sep 19, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Consumer Money Market	0.698%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.50% → 0.70% ▲ 0.20 pts · high 0.70% / low 0.50% Sep 24, 20260.70%▲ from 0.50% Sep 19, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Consumer Money Market	0.549%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.35% → 0.55% ▲ 0.20 pts · high 0.55% / low 0.35% Sep 24, 20260.55%▲ from 0.35% Sep 19, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Consumer Money Market	0.399%	0.40%
Details Balance: Less than $10,000 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.25% → 0.40% ▲ 0.15 pts · high 0.40% / low 0.25% Sep 24, 20260.40%▲ from 0.25% Sep 19, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Iowa State Savings Bank Checking Rates

Product	Rate	APY
Interest Rewards Checking Account	3.875%	3.95%
Min Balance $0 Details Qualifications Required: One direct deposit OR automatic withdrawal (funds transferred outside of ISSB); 25 settled debit card purchases per statement cycle; Special Rate (met qualifications); Balance: $0.01 to $15,000; Qualifying balance up to $15,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 22, 20263.95%▲ from 3.85% Sep 19, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Checking Account	0.648%	0.65%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.45% → 0.65% ▲ 0.20 pts · high 0.65% / low 0.45% Sep 24, 20260.65%▲ from 0.45% Sep 19, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Checking Account	0.598%	0.60%
Min Balance $25,000 Details Balance: $25,000 - less than $100,000 Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 0.40% → 0.60% ▲ 0.20 pts · high 0.60% / low 0.40% Sep 24, 20260.60%▲ from 0.40% Sep 19, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Checking Account	0.399%	0.40%
Details Balance: Less than $25,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Iowa State Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	6.45%	-	6.53%	15-Years
Details 15-Year Fixed; Rates effective 09/29/2026; $80,000 minimum loan amount; Minimum credit score of 700; Owner occupied only; First lien only Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 6.53% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
15-Year Fixed	6.75%	-	6.81%	30-Years
Details 15-Year Fixed; Rates effective 09/29/2026; $80,000 minimum loan amount; Minimum credit score of 700; Owner occupied only; First lien only Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 6.81% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Adjusted Rate Mortgage	6.45%	-	7.14%	3-Year
No additional details. Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 7.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Adjusted Rate Mortgage	6.85%	-	7.25%	5-Year
No additional details. Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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.

Financial Health History

Iowa State Savings Bank’s Texas Ratio rose from 0.40% in Q3 2023 to 1.21% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$277M	1.21%	5.0	A+
March 31, 2026	$287M	1.23%	5.0	A+
December 31, 2025	$283M	1.26%	5.0	A+
September 30, 2025	$281M	2.58%	5.0	A+
June 30, 2025	$284M	0.04%	5.0	A+
March 31, 2025	$286M	0.05%	5.0	A+
December 31, 2024	$270M	0.06%	5.0	A+
September 30, 2024	$257M	0.07%	5.0	A+
June 30, 2024	$257M	1.36%	5.0	A+
March 31, 2024	$271M	0.15%	5.0	A+
December 31, 2023	$255M	0.08%	5.0	A+
September 30, 2023	$250M	0.40%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Iowa State Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Iowa State Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Iowa State Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Iowa State Savings Bank

Website https://www.issbbank.com

Address 401 W Adams St, Creston, IA 50801 · Union

Bank Holding Company AMES NATIONAL CORP

FDIC Certificate # 8751

Regulator FDIC

Established January 1, 1883

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.21%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3996%

Return on Equity (ROE)

14.5600%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

$276,508,000

Total Deposits

$246,229,000

Equity Capital

$27,296,000

Net Income

$1,974,000

Headquarters

Creston

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Iowa State Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Iowa State Savings Bank

What is the highest savings rate at Iowa State Savings Bank?

The highest Iowa State Savings Bank savings rate is its Savings Accounts at 0.65% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Iowa State Savings Bank?

The highest Iowa State Savings Bank money market rate is its Consumer Money Market at 1.05% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Iowa State Savings Bank?

The highest Iowa State Savings Bank checking rate is its Interest Rewards Checking Account at 3.95% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest mortgage rate at Iowa State Savings Bank?

The lowest Iowa State Savings Bank mortgage rate is its 15-Year Fixed at 6.45%, verified by MonitorBankRates as of November 6, 2026.

How many branches does Iowa State Savings Bank operate?

Iowa State Savings Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Iowa State Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Iowa State Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Iowa State Savings Bank offer online and mobile banking?

Most modern institutions like Iowa State Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.issbbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Iowa State Savings Bank rates compare?

Iowa State Savings Bank's savings rates are 14% lower than the MonitorBankRates national average, and it has an A+ health rating. Iowa State Savings Bank's top rates are its Savings Accounts at 0.65% APY, its Consumer Money Market at 1.05% APY, its Interest Rewards Checking Account at 3.95% APY and its 15-Year Fixed at 6.45%, verified by MonitorBankRates on November 6, 2026.

Current Iowa State Savings Bank Rates

Savings0.65%
MMA1.05%

Retrieved from our database of financial products. Rates subject to change.

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Iowa State Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Iowa State Savings Bank Texas Ratio

Iowa State Savings Bank Health Trend

Iowa State Savings Bank Savings Rates

Iowa State Savings Bank Money Market Rates

Iowa State Savings Bank Checking Rates

Iowa State Savings Bank Mortgage Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Iowa State Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Iowa State Savings Bank

What is the highest savings rate at Iowa State Savings Bank?

What is the highest money market rate at Iowa State Savings Bank?

What is the highest checking rate at Iowa State Savings Bank?

What is the lowest mortgage rate at Iowa State Savings Bank?

How many branches does Iowa State Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Iowa State Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Iowa State Savings Bank rates compare?

Current Iowa State Savings Bank Rates

Compare to Other Banks