Best Banks & Checking Accounts in Des Moines, Iowa - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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, 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, Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 14.65% Everyday Checking at 0.00% APY, TruBankTruBank612 Army Post Rd, Des Moines, IA 50315A5.0 ★Texas Ratio: 10.56% Advantage Checking at 0.10% APY, and Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA 50309 2010A+5.0 ★Texas Ratio: 2.86% Share (Draft) Checking at 0.25% APY. Checking account rates as of June 10, 2026 according to verified data from MonitorBankRates.
Des Moines has 6 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: June 10, 2026
Compare Checking Account Rates Today in Des Moines, Iowa & the Surrounding Area
Des Moines Checking Account Rates
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
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
APY*
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
APY*
Des Moines, IA 50309 2010
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
APY*
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50317 2406
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
No additional details provided.
Des Moines, IA 50321
No additional details provided.
Des Moines High Yield Checking Rates
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
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 50315
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.
Des Moines, IA 50317 2406
No additional details provided.
Qualifying balance up to $15,000
No additional details provided.
Up to $10,000
Qualifying balance up to $100,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $20,000.00
Qualifying Balances: $0.01 - $100,000
Qualifying balance up to $15,000.00
No additional details provided.
Qualifying balance up to $10,000.00
No additional details provided.
No additional details provided.
No additional details provided.
Des Moines Rewards Checking Rates
Up to $10,000
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $20,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $20,000.00
Rate applies to balances $25,000.01 and up
If qualifications not met
If qualifications are not met for statement cycle
Get more from shopping than just a receipt - this free account earns you cash back on debit card purchases.
Des Moines Free Checking Rates
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50309
No additional details provided.
$2,500 minimum opening deposit. $10.00 monthly service charge for average current balance less than $2,500.00.
No additional details provided.
Des Moines Student Checking Rates
Des Moines Business Checking Rates
Des Moines, IA 50309
APY*
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
APY*
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
APY*
Des Moines, IA 50309
APY*
Des Moines, IA 50317 2406
No additional details provided.
$50,000 and Over
No additional details provided.
$25,000 - $49,999.99
Qualifying balance up to $4,999.99
No additional details provided.
$10,000 - $24,99.99
No additional details provided.
Tiered balance; $0.01 +
No additional details provided.
No additional details provided.
This account is limited to sole proprietorship, nonprofits and government entities. Minimum balance to receive interest rate $2,500.00. Get Started Online
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 rose 0.188 points over the past 7 days to 2.165% APY.
Iowa free checking rates fell 0.083 points over the past 7 days to 0.854% 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 - Earlham Savings Bank
High Yield Checking — 1.15% APY - Vibrant Credit Union
Everyday Checking — 0.00% APY - TruBank
Advantage Checking — 0.10% APY - Serve Credit Union
Share (Draft) Checking — 0.25% APY
