Best Money Market Rates in Des Moines, Iowa - June 2026
Brian McKay
Brian McKay
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Current Des Moines, Iowa and the surrounding area money market deposit account rates include Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 14.65% Insured Money Market at 3.12% APY, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA 50309B-4.3 ★Texas Ratio: 21.19% Signature Money Market at 3.05% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 3.95% Money Market at 3.04% APY, Earlham Savings BankEarlham Savings Bank3401 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 3.45% Money Market at 2.80% APY, and Midwest Heritage BankMidwest Heritage Bank4605 Fleur Dr, Des Moines, IA 50321A+5.0 ★Texas Ratio: 0.99% Money Market Account at 2.40% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Des Moines has 8 local institutions in our database, with money market rates as high as 3.12% APY from Vibrant Credit Union at 520 E Grand Ave, Des Moines, IA 50309. 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: June 23, 2026
Compare the Best Money Market Rates Today in Des Moines, Iowa & the Surrounding Area
Average Daily Balance; up to $15,000,000
With an active checking account
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Qualifications Required: Must be enrolled in electronic statements (eStatements) with a valid email address; please see the Electronic Statement Disclosure in the Membership Agreement for further information on this product.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate of the date listed above.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Tiered rate that will increase or decrease based on account balance.
Tiered rate that will increase or decrease based on account balance.
Tiered rate that will increase or decrease based on account balance.
Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money. If you are unable to meet the minimum opening deposit of $20,000 for this competitive new money rate plan, your account will be repriced at our standard Market Monitor rate plan. Rates and tiers for deposit balances are: 3.21% (3.25% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 or less. Offer available at Old National banking centers located in Iowa, Illinois, Indiana, Michigan, Minnesota, North Dakota, Wisconsin, and the Kentucky counties of Daviess, Henderson, Hopkins, Muhlenberg, and Union.
Put your excess cash to work while not losing the flexibility your business requires!
Tiered rate that will increase or decrease based on account balance.
Earn interest based on your account balance: $250,000+
Earn interest based on your account balance: $100,000-249,999.99
Earn interest based on your account balance: $25,000-99,999.99
Earn interest based on your account balance: $10,000-24,999.99
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.
Iowa high-yield MMA rates fell 0.336 points over the past 7 days to 2.813% APY.
Iowa standard MMA rates fell 0.053 points over the past 7 days to 0.829% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Des Moines, Iowa money market 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 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)?
Are Money Market accounts in Des Moines, Iowa safe?
How often do MMA rates change in Des Moines, Iowa?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Des Moines, Iowa?
Best Money Market Rates in Des Moines, Iowa
- Vibrant Credit Union
Insured Money Market — 3.12% APY - Collins Community Credit Union
Signature Money Market — 3.05% APY - Affinity Credit Union
Money Market — 3.04% APY - Earlham Savings Bank
Money Market — 2.80% APY - Midwest Heritage Bank
Money Market Account — 2.40% APY
