Best Banks & Checking Accounts in Des Moines, Iowa - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Des Moines, Iowa include Greater Iowa Credit UnionGreater Iowa Credit Union600 E 30th St, Des Moines, IA 50317 2406A5.0 ★Texas Ratio: 8.23% Greater CheckingTM at 5.00% APY, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA 50309B-4.3 ★Texas Ratio: 21.19% Advantage Checking at 4.85% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 3.95% eGreen Rewards Checking at 3.04% APY, Earlham Savings BankEarlham Savings Bank3401 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 3.45% High Yield Checking at 1.15% APY, and Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 14.65% Everyday Checking at 0.00% APY. Checking account rates as of May 22, 2026 according to verified data from MonitorBankRates.
Des Moines has 8 local institutions in our database, with checking rates as high as 5.00% APY from Greater Iowa Credit Union at 600 E 30th St, Des Moines, IA, 50317 2406. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Des Moines, Iowa. Checking Account Rates Last Updated and Verified: May 22, 2026
Compare Checking Account Rates Today in Des Moines, Iowa & the Surrounding Area
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Des Moines, IA 50315
$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
$10.00 maintenance fee, if the average daily balance for the statement cycle falls below $1500.00.
Des Moines, IA 50315
$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50321
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50321
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Des Moines, IA 50315
$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.
Des Moines, IA 50315
$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $20,000.00
Qualifying balance up to $20,000
No additional details provided.
Qualifying balance up to $10,000.00
Qualifying balance up to $100,000.00
No additional details provided.
Qualifications Required; Qualifying balance up to $10,000.00
Qualifying balance up to $20,000.00
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Qualifications Required; Qualifying balance up to $20,000.00
Qualifying balance up to $20,000
Qualifying balance up to $10,000.00
Qualifying balance up to $20,000.00
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
Qualifying balance up to $4,999.99
No additional details provided.
No additional details provided.
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
No additional details provided.
Des Moines, IA Checking Rate Trends
Compare local Des Moines, IA 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.
Iowa high-yield checking rates fell 0.030 points over the past 7 days to 1.628% APY.
Iowa free checking rates rose 0.185 points over the past 7 days to 0.945% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Des Moines, Iowa checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Des Moines, 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 sourcing this data 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 Des Moines, 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 Des Moines, Iowa earn interest?
Are banks in Des Moines, Iowa FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Des Moines, Iowa
- Greater Iowa Credit Union
Greater CheckingTM — 5.00% APY - Collins Community Credit Union
Advantage Checking — 4.85% APY - Affinity Credit Union
eGreen Rewards Checking — 3.04% APY - Earlham Savings Bank
High Yield Checking — 1.15% APY - Vibrant Credit Union
Everyday Checking — 0.00% APY
