Clive, Iowa (IA) Savings Rates - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Clive, Iowa and the surrounding area include Iowa Trust & SB Emmetsburg, IAIowa Trust & SB Emmetsburg, IA12035 University Ave Ste 202, Clive, IA 50325A5.0 ★Texas Ratio: 6.30%Real return: +0.90%APY minus 2.8% CPI (February 2026) High Yield Savings Account at 3.70% APY, Lincoln Savings BankLincoln Savings Bank13523 University Ave, Clive, IA 50325A-5.0 ★Texas Ratio: 15.31%Real return: -0.05%APY minus 2.8% CPI (February 2026) Companion Savings Account at 2.75% APY, VisionBank Of IowaVisionBank Of Iowa12901 University Ave, Clive, IA 50325A+5.0 ★Texas Ratio: 0.56%Real return: -1.79%APY minus 2.8% CPI (February 2026) Health Savings Account at 1.01% APY, Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IA1351 NW 114th St, Clive, IA 50325 7066A+5.0 ★Texas Ratio: 3.15%Real return: -2.65%APY minus 2.8% CPI (February 2026) The Money Mammals® Kids ClubTM at 0.15% APY, and Wells FargoWells Fargo9801 University Ave, Clive, IA 50325A5.0 ★Texas Ratio: 7.44%Real return: -2.75%APY minus 2.8% CPI (February 2026) Platinum Savings at 0.05% APY.
Clive has 20 local institutions in our database, with savings rates as high as 3.70% APY from Iowa Trust & SB Emmetsburg, IA at 12035 University Ave Ste 202, Clive, IA 50325. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Clive, Iowa and the surrounding area. Last Updated and Verified: April 16, 2026
Compare the Best Savings Rates in Clive, Iowa & Surrounding Communities
No fees; No hassle; No worries
$5.00 minimum deposit required to open account.
$5.00 minimum deposit required to open account. $5,000.01 minimum average daily balance required to earn interest.
No minimum deposit required to open the account. $500.00 minimum average daily balance required to earn interest.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$5.00 minimum deposit required to open account. $5,000.01 minimum average daily balance required to earn interest.
$5.00 minimum deposit required to open account. $5,000.01 minimum average daily balance required to earn interest.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
$5.00 minimum deposit required to open account. $500.01 minimum average daily balance required to earn interest.
$5.00 minimum deposit required to open account. $5,000.01 minimum average daily balance required to earn interest.
$5.00 minimum deposit required to open account. $5,000.01 minimum average daily balance required to earn interest.
No minimum deposit required to open the account. $500.00 minimum average daily balance required to earn interest.
$5.00 minimum deposit required to open account. $500.01 minimum average daily balance required to earn interest.
Qualifying balance up to $500.00
Qualifying balance up to $14,999.99
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
with e-statements
Qualifying balance up to $10,000.00
In-Branch Only; $10,000.00 deposit required to open account
$100.00 deposit required to open account
$100.00 deposit required to open account
Minimum of $2,500 to earn dividends
In-Branch Only; $10,000.00 deposit required to open account
Minimum of $2,500 to earn dividends
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.
Clive, IA Savings Rate Trends
Compare local Clive, IA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield savings rates fell 0.102 points over the past 7 days to 2.275% APY, down from 2.376%.
Iowa standard savings rates fell 0.186 points over the past 7 days to 0.653% APY, down from 0.839%.
Clive, Iowa Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current IA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current IA high-yield savings average of 2.275% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Clive, Iowa.
Savings Account Earnings in Clive, Iowa
Annual interest earnings at current IA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.275% APY) | Monthly Earnings | Standard Savings (0.653% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $113.74 / year | $9.48 | $32.67 / year | $2.72 |
| $10,000 | $227.47 / year | $18.96 | $65.33 / year | $5.44 |
| $25,000 | $568.68 / year | $47.39 | $163.33 / year | $13.61 |
| $50,000 | $1,137.35 / year | $94.78 | $326.65 / year | $27.22 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Clive, Iowa savings rate averages as of April 17, 2026. | ||||
About Our Clive, Iowa Savings Rate Database
MonitorBankRates found 6 institutions with branches in Clive (5 banks, 1 credit union), plus 17 additional state-chartered and national online institutions available to Clive residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Iowa Trust & SB Emmetsburg, IA offers a savings account at 3.70% APY. Use the rate table above to compare all current offers in Clive, Iowa.
How to Find the Best Savings Rates in Clive, Iowa
What to compare when shopping for a savings account in Clive, Iowa
To find the best savings APYs in Clive, Iowa, start with credit unions and online-only banks — Clive, Iowa has 8 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current IA high-yield savings average is 2.275% — but top local institutions are offering as high as 3.70%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Clive, Iowa high-yield savings rates currently average 2.275% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Clive, Iowa institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 23 institutions in Clive, Iowa report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Clive, Iowa CD rates
- You want check-writing flexibility → Clive, Iowa money market rates
- You need daily transaction access → Clive, Iowa checking rates
Clive, Iowa Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
15.9% of residents are 65 or older — below the national average of 17.3%. At today’s IA high-yield savings average of 2.275%, saving 10% of the local median salary ($6,349/year) would earn an additional $144 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Clive, Iowa Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Clive, Iowa.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current IA Avg APY | 2.275% | 0.653% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Clive, Iowa averages tracked in our database as of April 17, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Clive, Iowa
At IA’s top rate of 3.70% from Iowa Trust & SB Emmetsburg, IA, a $10,000 deposit earns $370 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Clive, Iowa earner is roughly $15,900. At 2.275% APY, saving $1,320/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsIowa’s high-yield savings average is 2.275% APY — variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Clive, Iowa earner makes $63,495/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.275% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.275% APY grows to roughly $39,202 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Clive, 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 savings 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 Clive, Iowa. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Clive, Iowa
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Clive, Iowa safe?
How often do savings rates change in Clive, Iowa?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Clive, Iowa?
How do I open a savings account in Clive, Iowa?
Best Savings Rates in Clive, Iowa
- Iowa Trust & SB Emmetsburg, IA
High Yield Savings Account — 3.70% APY - Lincoln Savings Bank
Companion Savings Account — 2.75% APY - VisionBank Of Iowa
Health Savings Account — 1.01% APY - Community Choice Credit Union Johnston, IA
The Money Mammals® Kids ClubTM — 0.15% APY - Wells Fargo
Platinum Savings — 0.05% APY
