Best Banks & Checking Accounts in Des Moines, Iowa - April 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 Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA 50309B-4.3 ★Texas Ratio: 23.97% Advantage Protect Checking at 4.85% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 4.17% 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 1.00% APY, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA 50309 2010A+5.0 ★Texas Ratio: 2.97% Share (Draft) Checking at 0.25% APY, and TruBankTruBank612 Army Post Rd, Des Moines, IA 50315A5.0 ★Texas Ratio: 10.56% Advantage Checking at 0.10% APY. Checking account rates as of April 24, 2026 according to verified data from MonitorBankRates.
Des Moines has 6 local institutions in our database, with checking rates as high as 4.85% APY from Collins Community Credit Union at 601 E Court Ave, Des Moines, IA, 50309. 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: April 24, 2026
Compare Checking Account Rates Today in Des Moines, Iowa & the Surrounding Area
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
$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 50309 2010
No additional details provided.
Des Moines, IA 50309
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Des Moines, IA 50309 2010
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Des Moines, IA 50315
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Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50315
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Des Moines, IA 50309
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Des Moines, IA 50309 2010
No additional details provided.
Qualifications Required; up to $15,000
Qualifying balance up to $10,000.00
Qualifying balance up to $20,000
No additional details provided.
Up to $10,000
Qualifications Required; Qualifying balance up to $10,000.00
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 50315
No additional details provided.
Qualifications Required; up to $15,000
Qualifying balance up to $10,000.00
Qualifying balance up to $20,000
No additional details provided.
Up to $10,000
Qualifications Required; Qualifying balance up to $10,000.00
No additional details provided.
Qualifying balance up to $5,000.00
No additional details provided.
Qualifying balance up to $15,000.00
No additional details provided.
No additional details provided.
Qualifying balance up to $10,000.00
No additional details provided.
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Qualifying balance up to $20,000
Up to $10,000
No additional details provided.
No additional details provided.
If qualifications are not met for statement cycle
Des Moines, IA 50309
No additional details provided.
$10.00 monthly service charge for average current balance less than $2,500.00.
No additional details provided.
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No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
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Qualifying balance up to $4,999.99
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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 0.152 points over the past 7 days to 2.667% APY.
Iowa free checking rates rose 0.001 points over the past 7 days to 0.644% APY.
Methodology & Data Sources
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 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 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
- Collins Community Credit Union
Advantage Protect Checking — 4.85% APY - Affinity Credit Union
eGreen Rewards Checking — 3.04% APY - Earlham Savings Bank
High Yield Checking — 1.00% APY - Serve Credit Union
Share (Draft) Checking — 0.25% APY - TruBank
Advantage Checking — 0.10% APY
