Best Money Market Rates in Spencer, Iowa - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Spencer, Iowa and the surrounding area money market deposit account rates include Telco Triad Community Credit UnionTelco Triad Community Credit Union24 W 4th St, Spencer, IA 51301A+5.0 ★Texas Ratio: 1.83% Money Market Savings Account at 1.75% APY, First Federal Credit UnionFirst Federal Credit Union901 11th St SW Ste 27, Spencer, IA 51301 5500A5.0 ★Texas Ratio: 11.22% Fed Up Money Market at 1.50% APY, Atkins Savings B&TAtkins Savings B&TA+5.0 ★Texas Ratio: 2.49% Money Market Account at 3.56% APY, Financial Plus Credit UnionFinancial Plus Credit UnionA+5.0 ★Texas Ratio: 2.00% PLUS Money Market at 3.30% APY, and Premier Bank Dubuque, IAPremier Bank Dubuque, IAA+5.0 ★Texas Ratio: 0.08% Mighty Miss Money Market at 3.25% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Spencer has 2 local institutions in our database, with money market rates as high as 1.75% APY from Telco Triad Community Credit Union at 24 W 4th St, Spencer, IA 51301. 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 Spencer, Iowa and surrounding area. Last Updated and Verified: July 13, 2026
Compare the Best Money Market Rates Today in Spencer, Iowa & the Surrounding Area
APY on entire account.
APY on entire account.
APY on entire account.
$25,000 - $499,999
$10,000 - $24,999
$1 - $9,999
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
As high as; Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees.
Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees.
Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period.
Balance: $1,000,000 or more
Tier: $250,001 and over
Balance: $500,000.00-$999,999.99
Tiered balance
Balance $50,000 and over
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
Balance: $250,000.00-$499,999.99
Balance: $100,000.00-$249,999.99
Tiered balance
Average Balance Over $75,000. Rates may change after the account is opened. Rates accurate as of the last dividend declaration date. Fees could reduce earnings on accounts. Minimum deposit is required.
If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.
Tiered balance
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.
Spencer, IA Money Market Rate Trends
Compare local Spencer, 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 0.024 points over the past 7 days to 2.732% APY.
Iowa standard MMA rates fell 0.068 points over the past 7 days to 0.818% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Spencer, 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 Spencer, 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 Spencer, 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 Spencer, Iowa
What is a Money Market Account (MMA)?
Are Money Market accounts in Spencer, Iowa safe?
How often do MMA rates change in Spencer, Iowa?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Spencer, Iowa?
Best Money Market Rates in Spencer, Iowa
- Telco Triad Community Credit Union
Money Market Savings Account — 1.75% APY - First Federal Credit Union
Fed Up Money Market — 1.50% APY - Atkins Savings B&T
Money Market Account — 3.56% APY - Financial Plus Credit Union
PLUS Money Market — 3.30% APY - Premier Bank Dubuque, IA
Mighty Miss Money Market — 3.25% APY
