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Best Money Market Rates in West Des Moines, Iowa - July 2026

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: July 13, 2026

Current West Des Moines, Iowa and the surrounding area money market deposit account rates include Financial Plus Credit UnionFinancial Plus Credit Union1831 25th St, West Des Moines, IA 50266 1416A+5.0 ★Texas Ratio: 2.00% PLUS Money Market at 3.30% APY, Collins Community Credit UnionCollins Community Credit Union6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004B-4.3 ★Texas Ratio: 21.19% Signature Money Market With an active checking account at 3.05% APY, Earlham Savings BankEarlham Savings Bank7300 Lake Dr, West Des Moines, IA 50266A+5.0 ★Texas Ratio: 3.45% Money Market at 2.80% APY, Marine Credit UnionMarine Credit Union909 9th St, West Des Moines, IA 50265A-4.9 ★Texas Ratio: 15.06% Money Market Special 10-month at 2.45% APY, and Midwest Heritage BankMidwest Heritage Bank3580 Ep True Pkwy, West Des Moines, IA 50265A+5.0 ★Texas Ratio: 0.99% Money Market Account at 2.40% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.

West Des Moines has 8 local institutions in our database, with money market rates as high as 3.30% APY from Financial Plus Credit Union at 1831 25th St, West Des Moines, IA 50266 1416. 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 West Des Moines, Iowa and surrounding area. Last Updated and Verified: July 13, 2026

Compare the Best Money Market Rates Today in West 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: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Signature Money Market With an active checking account
3.05%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
2.86%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.80%
$0
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
2.66%
$0
View
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
2.45%
$0
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market Special
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

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.

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
10-Month Money Market
2.45%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 13, 2026
Details

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.

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market Special 10-month
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

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.

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
2.43%
$0
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
Money Market Account
2.40%
$0
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $1,000,000 or more

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
2.16%
$0
View
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $500,000.00-$999,999.99

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

Tier: $250,001 and over

Earlham Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Money Market
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Advantage Money Market
2.11%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Tiered balance

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
1.94%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $250,000.00-$499,999.99

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
Money Market Account
1.87%
$0
View
▼
Rate1.87%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
1.82%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $100,000.00-$249,999.99

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Advantage Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Tiered balance

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
1.61%
$0
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

Tier: $100,001-$250,000

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $50,000.00-$99,999.99

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Advantage Money Market
1.30%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Tiered balance

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market
1.15%
$0
View
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

Tier: $50,001-$100,000

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
Money Market Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Advantage Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Tiered balance

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

25,000+

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Advantage Money Market
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Tiered balance

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market Savings (Commercial & Consumer Accounts)
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
Money Market Account
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $10,000.00-$49,999.99

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market Savings (Commercial & Consumer Accounts)
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

10,000+

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

Tier: $10,001-$50,000

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market Savings (Commercial & Consumer Accounts)
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Business Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

TruBank
Institution Rating:
A5.0 ★ Texas Ratio: 10.56%
6205 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market Savings (Commercial & Consumer Accounts)
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
909 9th St, West Des Moines, IA 50265
Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details

Tier: $2,000-$10,000

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

2,500+

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Advantage Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Tiered balance

Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
6305 Mills Civic Pkwy, West Des Moines, IA 50266
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Under 2,500

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $1,000.00-$9,999.99

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.19%
6260 Mills Civic Pkwy, West Des Moines, IA 50266 8004
Money Market Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance: $5.00-$999.99

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA 50266 1416
PLUS Money Market
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.65%
Insured Money Market
3.12%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details

If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Personal Prime Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Account
2.60%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details

If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.

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—
UpdatedJul 12, 2026
Details

New Albin Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 11, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Account
2.40%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Money Market Savings
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Mighty Miss Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Mega Saver Money Market
2.07%
$0
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details

Balance $50,000 and over

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Advantage Plus Money Market
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Current Advantage Plus Money Market
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 12, 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—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details

If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Business Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Money Market Savings
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Current Advantage Plus Money Market
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Advantage Plus Money Market
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Money Market Savings
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Current Advantage Plus Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Advantage Plus Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★ Texas Ratio: 21.04%
Money Market
1.75%
$2,500
View
▼
Rate1.74%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Money Market Savings Account
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

APY on entire account.

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 West 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.

West Des Moines, IA Money Market Rate Trends

Compare local West 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
2.732%
▼ 0.024 vs 7 days ago

Iowa high-yield MMA rates fell 0.024 points over the past 7 days to 2.732% APY.

Standard MMA — IA Avg
0.818%
▼ 0.068 vs 7 days ago

Iowa standard MMA rates fell 0.068 points over the past 7 days to 0.818% APY.

As of Jul 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West 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 West 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 West 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 West 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 West 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 West 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 West 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 West 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 West Des Moines, Iowa

Here are some of the highest money market account APYs currently available in West Des Moines, Iowa and the surrounding area:
  • Financial Plus Credit Union
    PLUS Money Market — 3.30% APY
  • Collins Community Credit Union
    Signature Money Market With an active checking account — 3.05% APY
  • Earlham Savings Bank
    Money Market — 2.80% APY
  • Marine Credit Union
    Money Market Special 10-month — 2.45% APY
  • Midwest Heritage Bank
    Money Market Account — 2.40% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in West Des Moines, Iowa. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 13, 2026

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