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Best Money Market Rates in Cedar Rapids, Iowa (IA) - May 2026

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| ✓Fact Checked | Last Updated: May 12, 2026

Current Cedar Rapids, Iowa and the surrounding area money market deposit account rates include Collins Community Credit UnionCollins Community Credit Union1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292B-4.3 ★Texas Ratio: 23.97% Signature Money Market at 3.05% APY, Metco Credit UnionMetco Credit Union115 8th Ave SW, Cedar Rapids, IA 52404A+5.0 ★Texas Ratio: 0.80% Mega Saver Money Market at 2.07% APY, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IA1030 Sierra Dr NE, Cedar Rapids, IA 52402 6578B-4.3 ★Texas Ratio: 23.52% Money Market Account at 1.75% APY, First Federal Credit UnionFirst Federal Credit Union425 1st Ave SW, Cedar Rapids, IA 52405A5.0 ★Texas Ratio: 12.07% Fed Up Money Market at 1.70% APY, and Atkins Savings B&TAtkins Savings B&TA+5.0 ★Texas Ratio: 2.49% Money Market Account at 3.56% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Cedar Rapids has 4 local institutions in our database, with money market rates as high as 3.05% APY from Collins Community Credit Union at 1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292. Use the table below to compare all available offers, including options from institutions serving the broader Iowa area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Cedar Rapids, Iowa and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Cedar Rapids, Iowa & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Signature Money Market
3.05%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

With an active checking account

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.86%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.66%
$0
View
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.45%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
2.16%
$0
View
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
Mega Saver Money Market
2.07%
$0
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$50,000 and over

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
1.94%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA 52402 6578
Money Market Account
1.75%
$2,500
View
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Fed Up Money Market
1.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA 52402 6578
Money Market Account
1.40%
$2,500
View
▼
Rate1.39%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
Mega Saver Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$15,000 to $49,999.99

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA 52402 6578
Money Market Account
1.15%
$2,500
View
▼
Rate1.14%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
Mega Saver Money Market
1.05%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$7,500 to $14,999.99

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA 52402 6578
Money Market Account
0.85%
$2,500
View
▼
Rate0.85%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
Mega Saver Money Market
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$2,500 to $7,499.99

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Signature Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Without an active checking account

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA 52402 6578
Money Market Account
0.70%
$2,500
View
▼
Rate0.70%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Business Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Personal Money Market
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Business/Entity Money Market
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Business/Entity Money Market
0.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Personal Money Market
0.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Personal Money Market
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA 52405
Business/Entity Money Market
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 1292
Money Market Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
3.25%
$1,000,000
View
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 5, 2026
Details

Frontier Bank Sioux Falls, SD
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Select
3.25%
$50,000
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details

American National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
6-month money market
3.25%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

New deposits only

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.15%
$0
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
Insured Money Market
3.14%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $15,000,000

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
3.09%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Cheers Money Market
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
3.00%
$500,000
View
▼
Rate2.96%
Min Deposit$500,000
Min Balance—
UpdatedMay 5, 2026
Details

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Personal Prime Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
PLUS Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.80%
$0
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
2.78%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.75%
$250,000
View
▼
Rate2.72%
Min Deposit$250,000
Min Balance—
UpdatedMay 5, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
2.53%
$50
View
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.50%
$100,000
View
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Super Money Market
2.45%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Money Market Account
2.40%
$0
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.25%
$25,000
View
▼
Rate2.23%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Advantage Money Market
2.11%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Business Money Market
2.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
F&M Money Market*
2.05%
$0
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
2.02%
$50
View
▼
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

Atkins Savings B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
2.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Money Market Account
1.87%
$0
View
▼
Rate1.87%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Luana Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market Account
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Advantage Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Reliance State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
Money Market & Commercial Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Iowa Falls State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Community Impact Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank Midwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Premier Money Market
1.51%
$50
View
▼
Rate1.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Limited time offer

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Marion County State Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.89%
Money Market Account
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Advantage Money Market
1.30%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Business Money Market
1.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Cedar Rapids, Iowa and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Cedar Rapids, IA Money Market Rate Trends

Compare local Cedar Rapids, IA money market quotes against the statewide average

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

View Full Iowa MMA Trends →
High-Yield MMA — IA Avg
2.873%
Unchanged vs 7 days ago

Iowa high-yield MMA rates currently average 2.873% APY.

Standard MMA — IA Avg
0.824%
Unchanged vs 7 days ago

Iowa standard MMA rates currently average 0.824% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Cedar Rapids, Iowa directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Cedar Rapids, Iowa. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in IA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Cedar Rapids, Iowa

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Iowa.

Are Money Market accounts in Cedar Rapids, Iowa safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Iowa up to $250,000 per depositor, per institution.

How often do MMA rates change in Cedar Rapids, Iowa?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Iowa rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Cedar Rapids, Iowa?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Cedar Rapids, Iowa require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Cedar Rapids, Iowa

Here are some of the highest money market account APYs currently available in Cedar Rapids, Iowa and the surrounding area:
  • Collins Community Credit Union
    Signature Money Market — 3.05% APY
  • Metco Credit Union
    Mega Saver Money Market — 2.07% APY
  • Community 1st Credit Union Ottumwa, IA
    Money Market Account — 1.75% APY
  • First Federal Credit Union
    Fed Up Money Market — 1.70% APY
  • Atkins Savings B&T
    Money Market Account — 3.56% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cedar Rapids, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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