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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Principal Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Principal Bank's 60-Months 60-Month Standard IRA CD rates are at 2.63%, 36-Months 36-Month Standard IRA CD rates are at 2.53%, 48-Months 48-Month Legacy IRA CD rates are at 1.41%, 48-Months 48-Month Standard IRA CD rates are at 1.41%, 36-Months 36-Month Legacy IRA CD rates are at 1.36%. Principal Bank's savings rates are at 0.90%. Principal Bank's money market rates are at 0.90%. MonitorBankRates evaluates the financial stability of Principal Bank with a 3.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 3.33%. Rates last updated and verified on 08/28/2026. Principal 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 Principal Bank? Share your experience about Principal Bank by leaving a review below, or read customer reviews before you decide to use Principal Bank. 
Principal Bank CD Rates
Principal Bank Savings Rates
Principal Bank Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Principal 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 Principal 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 Principal Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Principal Bank
FDIC Certificate #
34507
Address
750 Park Street,
Des Moines, IA 50309 · Polk
Website
https://www.principal.com/bank
Established
02/12/1998
FDIC Insurance Date
02/12/1998
Domestic Offices
1
Total Branches
1
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB-
Overall Health Grade
Score: 81/100
3.3
Good
Out of 5.0 Stars
3.33%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.6644%
Return on Equity (ROE)
52.6300%
Non-Performing Loans (NPL)
0.10%
Total Assets
$9,333,205,000
Total Deposits
$8,790,488,000
Equity Capital
$491,065,000
Net Income
$111,378,000
Headquarters
Des Moines
Total Branches and Offices
1
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Add Your Rating and Review for Principal Bank
Frequently Asked Questions About Principal BankHow many branches does Principal Bank operate?Principal Bank currently maintains approximately 1 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, Principal 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, Principal Bank provides members with tools to manage their accounts and build a solid financial history. Does Principal Bank offer online and mobile banking?Most modern institutions like Principal 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.principal.com/bank. Current Principal Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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