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Best Money Market Rates in Des Moines, Iowa (IA) - May 2026

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

Current Des Moines, Iowa and the surrounding area money market deposit account rates include Financial Plus Credit UnionFinancial Plus Credit Union4303 Fleur Dr, Des Moines, IA 50321 2327A+5.0 ★Texas Ratio: 2.04% PLUS Money Market at 3.30% APY, Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 15.61% Insured Money Market at 3.14% APY, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA 50309B-4.3 ★Texas Ratio: 23.97% Signature Money Market at 3.05% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 4.17% Money Market at 3.04% APY, and Earlham Savings BankEarlham Savings Bank3401 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 3.45% Money Market at 2.65% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Des Moines has 9 local institutions in our database, with money market rates as high as 3.30% APY from Financial Plus Credit Union at 4303 Fleur Dr, Des Moines, IA 50321 2327. 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 Des Moines, Iowa and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Des Moines, Iowa & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
PLUS Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
520 E Grand Ave, Des Moines, IA 50309
Insured Money Market
3.14%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $15,000,000

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
PLUS Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Signature Money Market
3.05%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

With an active checking account

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Business Money Market
2.86%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
PLUS Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Business Money Market
2.66%
$0
View
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
3401 Sw 9th St, Des Moines, IA 50315
Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Business Money Market
2.45%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
PLUS Money Market
2.43%
$0
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA 50321
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%
3401 Sw 9th St, Des Moines, IA 50315
Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
3401 Sw 9th St, Des Moines, IA 50315
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
eMoney Market
2.17%
$10,000
View
▼
Rate2.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
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%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
3401 Sw 9th St, Des Moines, IA 50315
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
1.94%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
eMoney Market
1.92%
$10,000
View
▼
Rate1.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA 50321
Money Market Account
1.87%
$0
View
▼
Rate1.87%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
Money Market Share
1.86%
$2,500
View
▼
Rate1.85%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
PLUS Money Market
1.82%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
eMoney Market
1.71%
$10,000
View
▼
Rate1.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
Money Market Share
1.66%
$2,500
View
▼
Rate1.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
PLUS Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
Money Market Share
1.56%
$2,500
View
▼
Rate1.55%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
eMoney Market
1.51%
$10,000
View
▼
Rate1.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
612 Army Post Rd, Des Moines, IA 50315
Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
Money Market Share
1.46%
$2,500
View
▼
Rate1.45%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
eMoney Market
1.35%
$10,000
View
▼
Rate1.34%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
eMoney Market
1.30%
$10,000
View
▼
Rate1.29%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; $10,000 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Business Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
612 Army Post Rd, Des Moines, IA 50315
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
Money Market
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
Money Market
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
Money Market
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA 50321
Money Market Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
612 Army Post Rd, Des Moines, IA 50315
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
Money Market
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA 50321
Money Market Account
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
4303 Fleur Dr, Des Moines, IA 50321 2327
Money Market
0.76%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
520 E Grand Ave, Des Moines, IA 50309
Business Money Market
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
612 Army Post Rd, Des Moines, IA 50315
Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Signature Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Without an active checking account

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
Money Market
0.55%
$2,500
View
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
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%
601 E Court Ave, Des Moines, IA 50309
Business Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
Money Market
0.50%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
612 Army Post Rd, Des Moines, IA 50315
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
Money Market
0.40%
$2,500
View
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
Money Market
0.35%
$2,500
View
▼
Rate0.35%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA 50317 2406
Money Market
0.30%
$2,500
View
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

$2,500 required to open account. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA 50309
Money Market Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
520 E Grand Ave, Des Moines, IA 50309
Business Money Market
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 Des Moines, 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.

Des Moines, IA Money Market Rate Trends

Compare local Des Moines, 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%
▲ 0.005 vs 7 days ago

Iowa high-yield MMA rates rose 0.005 points over the past 7 days to 2.873% APY.

Standard MMA — IA Avg
0.824%
▼ 0.043 vs 7 days ago

Iowa standard MMA rates fell 0.043 points over the past 7 days to 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa

Here are some of the highest money market account APYs currently available in Des Moines, Iowa and the surrounding area:
  • Financial Plus Credit Union
    PLUS Money Market — 3.30% APY
  • Vibrant Credit Union
    Insured Money Market — 3.14% APY
  • Collins Community Credit Union
    Signature Money Market — 3.05% APY
  • Affinity Credit Union
    Money Market — 3.04% APY
  • Earlham Savings Bank
    Money Market — 2.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Des Moines, 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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