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Best Checking Accounts & Rates in Iowa - April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
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 | Checking Account Rates — Last Updated and Verified: April 24, 2026

The best checking rates for Iowa include Metco Credit UnionMetco Credit Union115 8th Ave SW, Cedar Rapids, IA 52404A+5.0 ★Texas Ratio: 0.80% Ultimate Checking at 5.09% APY, Collins Community Credit UnionCollins Community Credit Union1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292B-4.3 ★Texas Ratio: 23.97% Advantage Checking at 4.85% APY, Cent Credit UnionCent Credit Union3124 4th St SW, Mason City, IA 50401 1522A+5.0 ★Texas Ratio: 2.81% PerCENTage Checking at 4.00% APY, PSB Indianola, IAPSB Indianola, IA802 W Jasper St, Pleasantville, IA 50225A+5.0 ★Texas Ratio: 1.82% Kasasa Cash Checking at 3.50% APY, and Cobalt Federal Credit UnionCobalt Federal Credit Union1141 N Broadway, Council Bluffs, IA 51503 1513A5.0 ★Texas Ratio: 7.59% Cobalt Elite Checking Account at 3.25% APY. Checking account rates as of April 24, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Iowa side-by-side. Iowa checking rates currently reach as high as 5.09% APY from Metco Credit Union at 115 8th Ave SW, Cedar Rapids, IA, 52404. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Iowa. Checking Account Rates Last Updated and Verified: April 24, 2026

Compare Checking Account Rates Today in Iowa

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW
Cedar Rapids, IA 52404
Ultimate Checking
5.09%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; up to $15,000

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Advantage Checking
4.85%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Advantage Protect Checking
4.85%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
PerCENTage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

PSB Indianola, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
802 W Jasper St
Pleasantville, IA 50225
Kasasa Cash Checking
3.50%
$100
View
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway
Council Bluffs, IA 51503 1513
Cobalt Elite Checking Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Bank Plus
Institution Rating:
A-4.9 ★ Texas Ratio: 16.50%
210 Edmunds St
Ledyard, IA 50556
3.06%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Up to $10,000

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln
Des Moines, IA 50313 2261
eGreen Rewards Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $24,999.99

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N
Newton, IA 50208 3040
Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Denver Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
DSBOne Rewards Checking
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
Cool Club Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd
Bettendorf, IA 52722
Smart Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $15,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
COIN Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway
Council Bluffs, IA 51503 1513
Cobalt Blue Checking Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
COIN Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St
Williams, IA 50271
Community Impact Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
COIN Checking
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr
West Des Moines, IA 50266
High Yield Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr
West Des Moines, IA 50266
Evantage Solution Checking
0.80%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

$10.00 maintenance fee, if the average daily balance for the statement cycle falls below $1500.00.

Green Belt Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
120 E Main St
Belmond, IA 50421
Emerald Checking
0.75%
$50
View
▼
Rate0.75%
Min Deposit$50
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW
Cedar Rapids, IA 52404
Ultimate Checking
5.09%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; up to $15,000

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Advantage Protect Checking
4.85%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Advantage Checking
4.85%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
PerCENTage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

PSB Indianola, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
802 W Jasper St
Pleasantville, IA 50225
Kasasa Cash Checking
3.50%
$100
View
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway
Council Bluffs, IA 51503 1513
Cobalt Elite Checking Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Bank Plus
Institution Rating:
A-4.9 ★ Texas Ratio: 16.50%
210 Edmunds St
Ledyard, IA 50556
3.06%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Up to $10,000

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln
Des Moines, IA 50313 2261
eGreen Rewards Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $24,999.99

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N
Newton, IA 50208 3040
Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Denver Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
DSBOne Rewards Checking
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
Cool Club Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
COIN Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd
Bettendorf, IA 52722
Smart Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $15,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
COIN Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
116 Main St
Williams, IA 50271
Community Impact Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway
Council Bluffs, IA 51503 1513
Cobalt Blue Checking Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000.00

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW
Mason City, IA 50401 1522
COIN Checking
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr
West Des Moines, IA 50266
High Yield Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr
West Des Moines, IA 50266
Interest Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.

Reliance State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
606 Broad St
Story City, IA 50248
Non-Profit Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PSB Indianola, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
802 W Jasper St
Pleasantville, IA 50225
Kasasa Cash Checking
3.50%
$100
View
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000

Bank Plus
Institution Rating:
A-4.9 ★ Texas Ratio: 16.50%
210 Edmunds St
Ledyard, IA 50556
3.06%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Up to $10,000

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln
Des Moines, IA 50313 2261
eGreen Rewards Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $24,999.99

Denver Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
DSBOne Rewards Checking
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Bank Plus
Institution Rating:
A-4.9 ★ Texas Ratio: 16.50%
210 Edmunds St
Ledyard, IA 50556
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Denver Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
DSBOne Rewards Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

If qualifications are not met for statement cycle

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
135 W Tilden St
Postville, IA 52162
FREEDOMPLUS CHECKING
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details

$10.00 monthly service charge for average current balance less than $2,500.00.

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
3230 Ridge Pt
Bettendorf, IA 52722
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
C1st Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
159 Colorado St
Muscatine, IA 52761
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway
Council Bluffs, IA 51503 1513
Free Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
203 Crestwood Ave
Bremer, IA 50677
Premier Business Checking**
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd
Bettendorf, IA 52722
Premier Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $4,999.99

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
203 Crestwood Ave
Bremer, IA 50677
Premier Business Checking**
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Commercial Checking (Account No Longer Offered)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Home State Bank Royal, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
202 3rd Ave
Royal, IA 51357
Business Interest Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
203 Crestwood Ave
Bremer, IA 50677
Premier Business Checking**
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Business Interest Checking (Account No Longer Offered)
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Reliance State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
606 Broad St
Story City, IA 50248
Commercial Checking with Interest
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Corporate Checking
0.15%
$50
View
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Corporate Checking
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Business Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 1292
Small Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Denver Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
Business Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St
Ames, IA 50010
Commercial Checking with Interest
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Corporate Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Denver Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
121 S State St
Denver, IA 50622
Business Plus Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
203 Crestwood Ave
Bremer, IA 50677
Premier Business Checking**
0.00%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Business Plus Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
C1st Free Business Checking (Account No Longer Offered)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
739 Pennsylvania Ave
Ottumwa, IA 52501
Small Business Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Iowa Checking Rate Trends

Compare local Iowa checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Iowa Checking Trends →
High-Yield Checking — IA Avg
2.667%
▲ 0.152 vs 7 days ago

Iowa high-yield checking rates rose 0.152 points over the past 7 days to 2.667% APY.

Free Checking — IA Avg
0.644%
▲ 0.001 vs 7 days ago

Iowa free checking rates rose 0.001 points over the past 7 days to 0.644% APY.

As of Apr 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking 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 checking rate displayed on 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 checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Iowa earn interest?

Most traditional local checking accounts in Iowa earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Iowa FDIC insured?

Yes. Legitimate banks with branches in Iowa are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Iowa

Based on our current data, some of the highest checking account APYs available to residents of Iowa include:
  • Metco Credit Union
    Ultimate Checking — 5.09% APY
  • Collins Community Credit Union
    Advantage Checking — 4.85% APY
  • Cent Credit Union
    PerCENTage Checking — 4.00% APY
  • PSB Indianola, IA
    Kasasa Cash Checking — 3.50% APY
  • Cobalt Federal Credit Union
    Cobalt Elite Checking Account — 3.25% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Iowa. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 24, 2026

Iowa Rates & Resources

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Checking Account Rates by City in Iowa

  • Ackley
  • 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
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  • 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
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  • Millersburg
  • Millerton
  • Milo
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  • Minden
  • Mineola
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  • Mitchellville
  • Modale
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  • Montour
  • Montpelier
  • Montrose
  • Moorhead
  • Moorland
  • Moravia
  • Morley
  • Morning Sun
  • Morrison
  • Moscow
  • Moulton
  • Mount Auburn
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  • Mount Vernon
  • Moville
  • Murray
  • Mystic
  • Nashua
  • Nemaha
  • Neola
  • Nevada
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  • New Hampton
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  • New Providence
  • New Sharon
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  • Newell
  • Newhall
  • Newton
  • Nichols
  • Nodaway
  • Nora Springs
  • North Buena Vista
  • North English
  • North Liberty
  • North Washington
  • Northboro
  • Northwood
  • Norwalk
  • Norway
  • Oakdale
  • Oakland
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  • Ocheyedan
  • Odebolt
  • Oelwein
  • Ogden
  • Okoboji
  • Olds
  • Olin
  • Ollie
  • Onawa
  • Onslow
  • Oran
  • Orange City
  • Orchard
  • Orient
  • Osage
  • Osceola
  • Oskaloosa
  • Ossian
  • Otho
  • Otley
  • Oto
  • Ottosen
  • Ottumwa
  • Oxford
  • 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
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  • Sioux Center
  • Sioux City
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  • Slater
  • Sloan
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  • Somers
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  • Spencer
  • Sperry
  • Spillville
  • Spirit Lake
  • Spragueville
  • Springbrook
  • Springville
  • Stacyville
  • Stanhope
  • Stanley
  • Stanton
  • Stanwood
  • State Center
  • Steamboat Rock
  • Stockport
  • Stockton
  • Storm Lake
  • Story City
  • Stout
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  • Strawberry Point
  • Struble
  • Stuart
  • Sully
  • Sumner
  • Superior
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  • Swaledale
  • Swan
  • Swea City
  • Swedesburg
  • Swisher
  • Tabor
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  • Templeton
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  • Terril
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  • Thornton
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  • Tiffin
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  • Toledo
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  • Traer
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  • Tripoli
  • Troy Mills
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  • Truro
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  • Udell
  • Underwood
  • Union
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  • University Park
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  • Urbandale
  • Ute
  • Vail
  • Van Horne
  • Van Meter
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  • 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
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  • West Chester
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  • West Point
  • West Union
  • Westfield
  • Westgate
  • Westphalia
  • Westside
  • Wever
  • What Cheer
  • Wheatland
  • Whiting
  • Whittemore
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  • Williams
  • Williamsburg
  • Williamson
  • Wilton
  • Winfield
  • Winterset
  • Winthrop
  • Wiota
  • Woden
  • Woodbine
  • Woodburn
  • Woodward
  • Woolstock
  • Worthington
  • Wyoming
  • Yale
  • Yarmouth
  • Yorktown
  • Zearing
  • Zwingle